Stack Exchange network consists of 175 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers.Visit Stack Exchange My credit score was about 800, according to my bank, which gives it to me for free on their website.There is not much information provided, as your FICO score is a complex algorithm with many variables.However, This may be due to your debt/credit ratio.You mention in the comments that you have zero debt, but if you have any credit cards the ratio is typically calculated from the statement balance, I believe.I've noticed my FICO can fluctuate because of that, even though I pay off all my cards in full every month.For example, if you had an original student loan of ,000 and one credit card limit of ,000, with 00 owed to your student loan and 0 owed to your credit card, then your ratio is: When the loan is paid off, you lose the above advantages, and so your credit score could very well drop. CID=70180000001Tx Kr&utm_medium=Scores_Independent&utm_campaign=FY18_Q1_Nor AM_Homepage_Banner_Scores_Independent&utm_source=Homepage_Banner "FICO has built analytic models for multiple markets that consider alternative data, such as bill payment and non-financial data (like mobile device and retail purchase information)" It appears, many variables go into a FICO score. While I have never seen a true FICO score often enough to test it I have seen multiple alternative scores that can jump back and forth a fair amount (although not 50 points) based on whether my utilization that month was 0% or 1%.But don't fret, the drop in the credit score is inconsequential in comparison to the fact that you don't have student loans anymore, and in your case, are also debt free. So, lets say you pay off your student loan, but cut back on spending - or moved to a different neighborhood, sold your car..behavior will affect your FICO score. This was entirely from what I charged that month, I'm not carrying any debt.
As @binarymax mentions, your credit utilization ratio may have dropped.
There are three main credit bureaus that collect and maintain the information that determines individuals Credit Scores: Equifax, Experian, Trans Union Why do credit scores vary between the three bureaus?