I ran my FICO score b/c I could believe my eyes that my FICO score had dropped? I had not added any new debt, in fact, I had paid off one retail credit card and my Cap1 Mastercard. I have not open any new credit. So, FICO should be happy that I am paying off debt but NO. My FICO went from a 722 to 692 for no reason that I can determine. Although, there was a note from Cap1 that I had disputed a fraudalent charge on my Cap1 MC. The disputed charge was from two months ago in the amount of $186. I do not mind paying a debt if it is one that I incurred but this was unauthorized charges. I guess I have to take the FICO hit with my credit score decrease. Hopefully, next month my will increase again?