<prompt> Human: Like the title says. Ive been paying off my debt pretty steadily for around 7 months now. Credit score jumped up around 50 points. After paying off two loans early around 6 and 12 months respectively. My credit score dropped 10 points. In hind site I should have paid a chunk of credit card debt off first. Regardless I wouldnt have expected the score to drop. Any thoughts why that may be the case?  <response>: Seriously. This is not a big deal. Why are you so worried about a 10 point swing in your credit score? Are you planning on taking on more debt again? 