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Baguio1234

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My credit score is 780 how can I improve on this?

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Keep your utilization around 7% and fine-tune your mix of credit types. (Beyond that, the details of scoring are so highly secretive that nobody really can say.) But why bother? At 780 you've already earned the best interest rates lenders offer. Beyond that, it's only a matter of keeping score for your own satisfaction. Gratifying, I know. But there's no benefit beyond psychic benefit.

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