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Why don't I have a score of 850 ( or at least over 800) ?
I have a 30 year history of always paying bills on time. I now don't owe anyone any money ( cars and house paid, no loans although had them in the past and paid them off ), have a credit card I pay in full each month, and a bunch of money in savings. Yet my score is only 771? What gives? Do I have to owe money to be more responsible???

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