I notice that 10% of a person's score is related to the variety of credit types they have. Does this mean if I pay down my mortgage or credit card completely, (I have only 1 cc and 1 mortgage), that my credit rating will actually FALL? We are thinking of paying off the mortgage (it's small and we are getting a chunk from selling something else), but it would seem odd that this responsible act would harm my report....Does the 10% represent ACTIVE credit or historical variety? Tracy