Well, It's funny that while I was deep in debt, so deep that I wasn't able to accumulate more until I paid off the current debt, my score was like 705 or so. I never missed any payments either. But when I finished paying everything off, my score went down about 70 points overnight. It was because I didn't have any open debt. I got rid of a CC, kept one. I have no debt right now, only monthly bills. My score climbs slowly. The minute I used my CC, within two days max, it drops another 30 points. Doesn't matter that I'll pay it off by the due date because my score won't jump 30 points overnite, it will slowly climb back to where it was over months. What am I supposed to think? They don't want to help your score, but they sure as hell don't mind hurting it.