<prompt> Human: PF,Please try and help me understand why my credit score keeps decreasing. I started monitoring my FICO score with Experian about 18 months ago and started around 725 and worked it up to 765 and eventually 773 where it stayed for a while...Until I lump sum paid off the rest of my student loan debt of like 2,500 when it decreased to 738. Then I paid off my car about 6 months ago and it fell it 722. Pumped up to 724 since then until this morning when it went down to 714!I use all 3 of my cards, pay 2 off in full. The 3rd had a balance of 8,000 end of July made a big purchase on my 1 card that gives my 8 APR and its already down to 4,500, Im paying more than 1,000 per month on it. Even at my highest my credit usage was still less than 20, down under 10 again.No new non-revolving debt, but no other closed non-revolving debt since my student loan and car were paid off. My oldest late payment is 70 months. No new credit cards taken out recently. Longest credit is 9.5 years, average account age is 5 years. What in the actual hell is going on? Why does my credit score keep going down? Reading the FAQ the only thing I can see that would be hurting my credit score is Types of Credit in use, but that only amounts for 10 of my score. Technically thats 80 points and could totally cover the absurd 59 point drop Ive had over the last 8-9 months, but that just seems nuts to me. Were going to lower your credit score for not taking out more debt because youre a good little saver and youre not paying off student loans or your car anymore. Congratulations, go yourself.Sorry if this post came off as a rant but Im fuming mad right now because FICO credit scores are a total load of crap. Fiancee and I are saving to pay cash for the wedding, which given the insanity of how they calculate stuff will probably hurt me more and screw me for a mortgage when we want to buy a house in 18-24 months.  <response>: Are you monitoring your FICO or a Vantage score?Vantage scores will reduce your account age when you pay off a loan and this will lower the score.FICO remembers the account and ages it for approx. 7 years. So your FICO shouldnt have changed at all maybe gone up. 