<prompt> Human: I am planing to buy a house so I am paying off debt from some of my savings. I have a 1900 credit card limit and I had 437.53 charged. After having a 770 credit score for over a year, it dropped to 743 after paying in full last month. There arent any changes to my credit reports and I dont have any other debt--just paid off my car loan two months ago 15 grand.I was told having a zero balance credit card isnt good for credit scores, but I dont understand why? Edit: word  <response>: If I had to guess, paying off the car loan is what dropped your score temporarily and it just took a couple months to show up on your account. Any chance that car loan was your longest line of credit? Even if it wasnt, closing accounts paying off a loan can put a temporary dent in your credit score because you now have fewer open lines of credit on your account, average age of account goes down, etc. Definitely doesnt seem like something to worry about. 