<prompt> Human: I know Im probably splitting hairs here, but here goes. Over the past three years, Ive maintained a credit score of around 830. In two months it has dropped five points. Ive got a Mint account and no new CC cards or loans have been opened. I always pay bills on time. This is what has changed:-I froze my credit with all three bureaus after the Equifax breach.-I paid down my home equity line of credit to zero. -Increased my credit card usage to earn miles but pay at least 80-100 of statement amount each month.Any thoughts?  <response>: There are way too many people here worrying about very minor changes in score when they dont even need it for anything coming upAt something like 780 youll get as good as you will ever get. 5 points is nothing. a butterfly farting in India could have caused that. 