My score dropped by 109 points when I paid off my credit card balance. Checked my credit report and only soft inquiries (promotionals) were recent. My card was at 785/5500 so I don't think it was high utilization. Checked everything I could find and there is no reason (based on my credit report) that it should've dropped, let alone by such a humongous amount. Zero hard inquiries, zero new accounts opened, and the only debt I had was on my credit card. Any ideas on what happened or what I can do to fix this?