<prompt> Human: Can anyone explain to me what happened? I had just made over 800, then I sold my house and used some of the profit from that to pay off a loan I used to consolidate some credit card debt. Then BAM 600 TransUnionEquifax.For reference, I make a little over 6 figures and between those 2 I eliminated about 250k of debt. I have 3 open credit cards and 2 car loans, still. I only use 1 cc and it stays under 10 utilization.Assistant: The house and loan were probably most of your credit history. This happened when I paid off my truck which was my oldest account. Human: I can see that. I owned the house for about 5.5yrs, but the loan was less than a year old.  <response>: Your FICO score which is what matters includes closed accounts to calculate AAoA. Vantage what credit karma gives you only includes open accounts. Your real score is hopefully much higher. 