<prompt> Human: I paid off a large amount of credit card debt all at once, and when I went to see how much my credit score had gone up, I was shocked to find it actually DROPPED by about 30 points! Nothing else changed. I just paid down a lot of debt. Anything relating to my problem that Ive found online has been some other schmuck like me asking why on a forum, and no one seems to be able to offer an answer. How about rpersonalfinance?Most of the people who answered said its all a part of the credit score scam. Were far more valuable to lenders if our interest rates are high due to a poor score.  <response>: I really dont know why people micro manageanalyze their credit scores so much. 