Pay off all your debts and live debt-free and they punish you!
At a reader's suggestion, I used annualcreditreport.com to space out my three credit reports over the year. I have "locked" my credit on all three reporting agencies, so there is little risk of being hacked or whatever. But it is an interesting exercise to look at credit reports and of course, it is good blog meat.
I tried to log onto annualcreditreport.com to check my Experion report, but Experion gives this odd message that "something" prevents them from showing my report. At the same time, I get an e-mail from Experion telling me my report and score is ready - just log in! I set up an account with them during a security breach years ago, and still have it. Yes, it is handy as you can lock and unlock your report with the click of a mouse. But like CreditKarma(whore) they try to sell you credit cards and car loans and whatnot. Turns out the credit score is a good selling gambit.
Anyway, our scores went down a bit - at one time we had "perfect" credit scores, but since we paid off all our debts, our scores actually dropped. Here is Mark's score report - a "777" score - note the explanation at the bottom as to why our score isn't higher: