6 points is pretty trivial. I pay off all my credit cards in full each month but I use them for everything I buy, so depending on when the score is calculated, I might have a $3000 balance or no balance, and that will affect my score, even though the cards are always paid on time and in full. Remember that your credit score is just a crude method to estimate your ability to pay back the next loan you apply for; if you don't need to apply for a loan, it doesn't really matter what your score is.
