A credit score over what you have now is unlikely to do anything to help you much.
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I’m well aware. My sons middle name is Ramsey and we are helping to begin a class tonight.Credit score is an, “I love debt” score. Only way to increase it is to keep loving that debt. If you stopped borrowing entirely, let your score drop to zero, and were financially sound & responsible, you could still get a mortgage with manual underwriting, through a company like Churchill mortgage.
You are already well above the minimum required to qualify for the very best rates. Don't worry about it and just keep trucking. Extra effort will not net better interest rates at this point.
The other day we applied for a mortgage. When the gentleman ran our credit reports I found that our scores had dropped on all three bureaus. The lowest was 797. We are debt free other than our home. We only have one credit card that we use for most purchases but I pay it off several times a month.
The reason our score has dropped is lack of credit utilization. Is there any way to increase utilization without paying interest? We are about to buy a house so we can't open or close anything at this point. I don't see us trying to buy anything on credit unless we buy another down the road. I would just like to keep our scores up
The interesting thing is my wife and I have identical scores on all three bureaus.