I need some advise. While trying to rebuild my Fico scores, I was doing very well. However, this morning, I recevied a notification that my score had dropped 10 point on all bureaus because my credit card balances went up. At this point my cards are at $ 0.00. Infact to make sure no one was using my cards I called my three CC company to verify. They all answered that I have a zero balance. How can I get my points back??