Another thing I have noticed is this; You will usually see something around 750 as the cutooff to get a good rate on a loan. As long as you have at least that you are good. If you have an 800 it doesnt matter, the same rate applies. The only times I have seen 800+ score really matter are special lines of credit with specific companies. For example Chase was running a deal a while back. You had to be a customer, had be with them for X amount of time, credit score I think was 840+, and some other qualifiers such as annual pay (it was high!). If you met their qualifiers you could geet a home lone under 2%. I have a friend who did it. This was during Covid. My point is this, for most of us "little" people we just wont see that kind of thing. If you can get and keep your credit score above 750 you are doing damn good and will get the best rates offered at the time. Don't sweat it if you can't break 800 or get past 800. If you want to do it, for what ever reason then thst is great. It means you are responsibile with your money and kudos to you!