Received notification my credit score just dropped 40 points.

[doitmyself]

Hmmmmmmmmmmmm. I'm in a similar as others above: at my age and because of good fiscal management my score is below 800. We don't have any debt, everything is paid off regularly, no dings for missed payments, etc..

What are some practical, safe ways to increase ones credit score for the pure sake of just improving your score when borrowing money is not a necessity? Does using and paying off small credit card use monthly improve your score? A google search didn't produce much useful information.

Or, is this thread a bit off kilter due to the few people here that do this as a hobby?

 

[Pablo]

Hmmmmmmmmmmmm. I'm in a similar as others above: at my age and because of good fiscal management my score is below 800. We don't have any debt, everything is paid off regularly, no dings for missed payments, etc..

What are some practical, safe ways to increase ones credit score for the pure sake of just improving your score when borrowing money is not a necessity? Does using and paying off small credit card use monthly improve your score? A google search didn't produce much useful information.

Or, is this thread a bit off kilter due to the few people here that do this as a hobby?

The easiest way is just request credit limit increases, of course continue your normal card usage and pay offs, and by the virtue of less percent of your credit being used = score improves, maybe 25-35 points, depending of course..........