To the OP, the information you're getting is, I guess, the best analysis the computer can come up with for why your score isn't even higher than it is. With a 786, there isn't much taking you down, and your utilization is about it, I guess. You may be losing perspective a bit. Getting a super high score doesn't do anything for you, certainly getting a score over 786 doesn't do anything that a 786 won't do. What's important, I think, is to keep your score at or over 720, and that's going to be easy for you. You should start using that score to benefit you. Get some more cards, get some airline and hotel cards so you get bonus miles and points. The Amex Starwood card gets you 10000 points, and Starwood has a point pricing structure that's different from other hotels, and I think you can stay in like the Renaissance for 7000. Get an American Airlines Citibank Card and get 15000 points or 20000 points or whatever it is, with fee waived for the first year. Get cards with 0% purchases and BT's. I got 6 new cards in the last year, and my wife got 4. For the last year, we have used 0% purchase cards for our purchasing, charging our house insurance, phone bill, satellite bill, groceries, gasoline, restaurants, shopping, everything, making minimum payments and letting the cash that would have otherwise gone to pay off the whole balance every month pile up in the bank at 5% interest. I've done BT's, and have a substantial sum in BT's, sitting in the bank at 5% interest. We already had fairly substantial debt on perpetual 0% Discover BT's. We've gotten a lot of cashback and points, too. With all that activity and all that debt, our scores have recently been ranging around 720-750. I guess before the latest rush of activity, they were higher, maybe about what yours is. But you should consider that 786 a cushion, giving you room to work and still stay over 720. Pick out good offers, get cards, and work them. Take that money out of the credit card company's pockets, where it isn't helping anybody, and put it into yours.
