<prompt> Human: Using the free FICO score on my discover card... my credit history involved 4.3 years with discover, and the 2 year 29k truck loan I just finished paying off in June. I have never missed a payment on my credit card or my truck. Why the heck is my FICO score suddenly dropped 40 points because of insufficient credit history?! Discover lists the items taken into account when calculating the score and everything is greenexcellent except... history.. because suddenly over 4 years with 0 late payments isnt good enough?! Can someone explain? Its still over 700 so Im not in a bind, but this pissed me off.  <response>: Its probably because you dont have very much or any active debt. Its counterintuitive, but your credit looks better with some debt then with no debt. I have one credit card in addition to my two car payments and mortgage and I only use it for my fuel purchases. My credit score now hovers around 780-800, where it had always been 535 when I was 18-21. 