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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Just for fun, how can I get my credit score at 850? Is it possible to do that?

The score is 830 now, and I dont understand why its not 850.  No debt, everything paid on time forever.[/quote]

Credit utilization comes into play. Even if you pay your credit card off every month, if you have a balance when they run their algorithm it will affect your score very slightly. In months when I’ve charged a large item my credit score dips by 5 or ten points. If you want to avoid that you can pay it off immediately instead of waiting til the end of the cycle. But with a credit score over 800 there’s no actual reason to do so. [/quote]

OP.  Yes, I have noticed when we have a large purchase or two, our credit score dips, then goes up in 2 months or so.  Very interesting, this whole credit score phenomenon.

Also, it is good to know if you charge a huge purchase, it is a good idea to pay off right away instead of waiting till statement time, that way you preserve your score.

And it is only during the pandemic that I became interested in our credit scores (both are high), every time I check my credit card charges, I look!  Before pandemic, I never bothered to look.
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