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Why is my score under 800 with no late payments, a house paid for, and over $1,000,000 in savings?
I make over $200K, my $300K house is paid for, have never paid a bill late in 58 years, pay off $3K in credit card bills every single month, have one car note, have over $50K in short term savings and over $1.4M in 401K savings, never had a credit ding and my score is 770, not over 800 as I would expect. What's the problem??

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