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What more can I do to hit an 800 credit score?
I currently have a 760 credit score but want to get it up to 800+.

I have approx. 4 years of credit history, 100% on-time payments, I don't want car loans or mortgages but I do have 2 major credit cards and a student loan. My credit utilization on my cards hovers around 25-35%.

Besides time, lowering my credit util. a bit and continuing to make on-time payments, what else can I do?

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