<prompt> Human: Ive decided that I no longer want to have any credit cards. I had a lot of store cardsvisamastercard. Ive been paying them off like crazy, almost spending no other money except for bills. Im doing the snowball. Ive got 100 paid on time. Longest 28 years. 40 utilization 2 hits in 2 years and my credit fell from 745 to a score of 683 this month. Ive checked and there is nothing on my credit I didnt expect to see. What can I do to stop this free fall!!Edit: It didnt fall from 745- 683 in one month. Its been over the past 4 months that Im paying them off. Edit: After a suggestion to check annualcreditreport.com I went to the site and pulled up all 3 reports now. Nothing new, no surprises, nothing late.Edit: Each of you has given me information. I appreciate it. Id give you all gold but Im paying down my cc. :Edit: You are all very helpful. Thank you.Edit: I just kept on keeping on and now its up to 731 by doing nothing so there must have been something that hit for a minute...or two weeks. Assistant: I cant tell you what caused the drop in credit score, but I can tell you it was not because youre paying down your cards. As your credit utilization drops, your score will climb.Keep at it, bud. Your future self will appreciate it.Human: Ok thanks. I have to figure this out though. Ive run my credit reports the past few months and there is nothing that would make my credit drop other than paying these off...which makes no sense. Assistant: It doesnt make sense, but if youre concerned about the home purchase in a year, you can find a bank that will do manual underwriting. When they look at your financial picture, it will look a lot better to have no cc debt. With time after you clear the cc debt you should see your score rise again. In the mean time youre losing real money to intererst every day. Stay the course and clear the debt.Human: Thats helpful but even after looking at all 3 reports now I dont see why my score would go down. I see nothing new not there and lots of credit paid off. The only thing I see thats new is that there are either high balances or no balances with the debt utilization 40 probably because of that. What do you think??  <response>: Are you using Credit Karma or Ceedit Sesame? Sometimes their fako scores are not accurate and can vary from your real FICO score but -100 points. Your bank or credit card issuers might offer another free score you could compare. If you are worried about it though you can pay to get your actual FICO score from the credit bureaus. Right now thpugh i would not worry about it if you have pulled your reports and all looks well. Just keep paying off that debt! 