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I wasn't trying to get a perfect score but I sometimes wondered if it was attainable. So now I know it is. To summarize what I've done over the years, I accumulated about a dozen credit cards with over $100K of available credit on them while utilizing just 1 or 2% of that credit, and of course I always pay in full on time. I also paid off a recent car loan earlier this year so that installment credit also helped reinvigorate my credit history since I paid off my home mortgage in 2012, which is ancient history, I guess.
July 29th, 2026 at 04:31 pm 1785342673