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Old 11-11-2008, 05:34 PM   #20
CardiacCoug
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Join Date: Sep 2007
Location: Houston, TX
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My credit score is 805 as of a month ago.

One thing that probably helps (I don't know for sure) is that I have some very high limits on a bunch of credit cards that I never use. I have one card with a $30K limit and another with a $40K limit and several other with about $15K limits. I don't ever carry a balance. I think one factor is the debt to available credit ratio and if you keep that very, very low I believe it helps your score.
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