<prompt> Human: Hi everyone, In a nutshell, 27 yo, had approx 11 student loans majority originated from nelnet, 4 private loans and opened an AMEX card in Dec 2015.In Nov, I ended up consolidated majority of the student loans to simplify the where the money is going, leaving only three loan servicers to deal with; Nelnet, AES and RISLA. Of the loans so far Ive been able to pay in full RISLA Feb, and aggressively pay down AES current balance 2.4k 25.00 month min, paying 200.00 month and putting aside 300.00 for Nelnet 44 k 250 month min, a couple months ahead.On the cc side of things, I have a 1000.00 limit on AMEX. Typically I try to pay in full as soon as I use the card, therefore I dont have a revolving balance.What I dont totally understand, when I got the AMEX card in Dec, their FICO 8 score had me 735, Jan it was in the 720s excepted due to the hard inquiry, Feb it was 726, yet this month, its being denoted at 708.What I understanda getting a new line of credit will force the credit score down points for a timeb Avg age of credit historyWhat I dont understanda Since I consolidated the loans in Dec of 2015, wouldnt it report in Jan 2016, therefore causing a more noticeable hit then?b Since I paid off the RISLA loan in Feb, wouldnt it report for March, therefore stabilizing if not increase my credit score?  <response>: Credit scores fluctuate. Stop obsessing. If youre worried about fraud, check your credit report. 