FICO algos impose an "all zero" penalty if none of your revolvers are reporting a balance, tho 40 pts is probably too high for that alone. But, as @FinStar says, we'd first need to know your score source to help you find the reason for the drop since FICO and Vantage react differently to util and balance changes.
@Anonymous wrote:Experian and Capital One credit wise. Only changes were paying off credit cards.
Capital One is a Vantage 3.0 score. Is your Experian score from Experian's website or another source?
@Anonymous wrote:I'm not asking you to figure it out, just trying to find out if it's happened to anyone else, and what to do to get it back.
To tell you what to do to recover the lost points, we would need to figure out the cause of the score loss. But for the point loss you saw on Experian after all of your cards reported $0 balances, you should recover at least a portion of it when at least one bankcard reports a balance, because Experian provides FICO scores and FICO algos have an AZ penalty. For the score loss you saw on Chase's site, Vantage does not have an AZ penalty so it would be due to something else in your profile. As has been said above, Vantage is used by very few lenders, so its metrics haven't been studied much here.