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Finally achieved the Holy Grail

July 29th, 2026 at 02:16 pm

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.

 

Posted in Uncategorized | 4 Comments »

4 Responses to “Finally achieved the Holy Grail”

  1. Tabs Says:
    July 29th, 2026 at 04:31 pm 1785342673
    1785342673

    Wow, that is absolutely incredible. Congratulations!

  2. mumof2 Says:
    July 29th, 2026 at 10:58 pm 1785365888
    1785365888

    Why if you are debt free do you want so many CC? weird ours is out of 1000...I have no debt or CC and it is at 957...I dont care if it drops because it really doesnt mean much...but congrats

  3. patientsaver Says:
    July 30th, 2026 at 12:04 am 1785369882
    1785369882

    Mum, i didn't set out to have so many cards but collected them gradually over time, usually to go for those $250 (or so) upfront cash back offers if you spend a certain amount in the first few months of owning the card. Initially the plan was to cancel the cards when I was done with them, but somewhere along the way I noticed my credit score went higher with each card since my total credit availability was higher while my spending stayed the same.

    A higher credit score may help you if you ever get another home loan, car loan or even homeowners or car insurance. If you have poor credit, you may have to pay more for the same coverage. It is also something checked by utility companies.

  4. LivingAlmostLarge Says:
    July 30th, 2026 at 06:29 am 1785392993
    1785392993

    wow congrats incredible

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