<prompt> Human: I hate paying student loans every month, so I saved up and got rid of it in one foul swoop. I thought it would be a good thing - but Experian says my credit score has decreased from 744 to 727. I get that one of my accounts is now closed - but shouldnt resolving one of your debts be considered a good thing? Would love if someone could explain it to me.  <response>: Stop worrying about your credit score. If you are paying your bills off in full, every month, no exceptions by the statement due date you are using your credit card correctly, and your score will gradually improve. 