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I pay in full yet my score is under 800?
I have a small mortgage (130K) on a 400K home, have paid my payments via automatic payment every month and have never been late. Pay all my other bills on time without failure. My score is stuck at 779 and never changes. What can I do to get it over 800? What happens if I pay off the mortgage in full? I have the cash but don't know if it matters to pay it off. I repeat, I have never been late on a payment for anything. I am 61 years old and have maintained a perfect record since I was 15 when I got my first checking account. What can I do better?

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