BIGBOTTOM wrote:Thank you Smallfry. I was just thinking about this today and yes, I would rather have my mortgage paid off any day and forget about the FICO score!In reviewing my most recent credit report is appears that the reporting by the credit card companies is way behind and not showing the huge payments made on two cards. That is probably why the lower score. I imagine in a couple of months I will see an improvement. Since I am not buying another house or a car..I guess it doesn't matter all that much.Thank you everyone, I have learned so much this week from this board.