I don’t understand the metrics behind all that, for many years, mine was always between 828 - 835, I was really surprised when it hit 843, not sure what it takes to have ‘perfect’ score.
Ive been testing this out. For the majority of my life I could care less about my score and I still really do not care because Ive never had any credit dings and paid off every loan Ive ever had early. + Anything above 750 and you are getting the best rates so why concern myself?
A while ago I found out I could check my score for free through Equifax because I have them watching my accounts after they got hacked (another story for another time). I was in the low 800's at that time.
I then decided to "sign up" for their "enhance your score" type junk (free) to see what it did. It recommended I pay off 40% of my total debt in the next quarter and then my score would increase. I laughed and dismissed it because thats clearly impossible or I'd have done it already.
Ever since I 'signed up" my score has been increasing. Ive done nothing different but I have been paying down my debt and I do have less. About the only thing that may have helped my score was financing 13k for my HVAC last October, but that was paid off within 3 months.
I have 2 active credit cards I use, neither of which ever carry a balance and a mortgage with less than 60k owed. My Subaru was paid off years ago and while it is still on my report I'm not sure if it still counts.
So in closing my theory is it's all fixed. Them telling everyone to have multiple cards and the more accounts you have in good standing the better your score does seems incorrect based on my findings.
Sign up for their free credit BS to increase your score and see if it starts climbing. My guess is it will