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Shanfu

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I paid off $27,000 in credit cards November 1, 2016. Why on earth would my credit score be reduced

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because you off paid 27K

As strange as it may seem, paying off a lot of debt at once does lower your score,  If it is not your typical behavior.  Credit scores reflect changes in your payment habits as "Cautionary".  Weather its missing a payment or making extra large payments, Credit scores basiclly put the "brakes on" because of unusual behaviors. 

It's to protect the financial institutions from extending credit to people that might be the "Bad Guys" 

If you made the payments because your preparing for a new loan, don't worry. Your actual score is probably closer to what you saw before, or better now that you've paid off some debt.  If you're financing a loan, a hard inquiry will produce a more realistic score. Talk to the loan officer your dealing with. If your not getting a new loan, Don't worry about it. Once you go back to your regular payment patterns your score will bounce back, usually within a couple of months. 

Good luck 

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