re: What is your FICO credit score?

Mine fluctuates in weird ways.

I went form a zero balance on a card to a $29 balance on a card and it dropped a few points. WHO GIVES A FLYING frick.

I won't get into the 800's for a couple years, in 2015 when I almost died and spent 6 months in the hospital straight from the end of 2015 through half of 2016. I got behind on some stuff and that won't drop off until they are 7 years old. Can't wait for that huge bump when the last baddie falls off. I have a 100% on time payment since then and my utilization hoovers between 0 and 10% depending on if I can catch my CC bill before it reports a balance. I still have good enough credit to finance whatever I want at a decent rate... once you pass 700 you start to hit diminishing returns and pretty much after 750 there are no more returns.