No. of Recommendations: 0
As said, in the short run, it will lower your score. It will cause an inquiry, which is worth maybe ten points, and increase your debt/income ratio, which is worth some, depending on exactly what your debt and income are. The inquiry counts for a year.

I also agree that your score is sufficiently high and you probably don't need to improve it.

* You might qualify for a super low interest loan which doesn't cost you anything in net interest (i.e. the interest rate is the same or less than what you could get in a money market fund, municipal bond, CD or whatever you have your savings currently in).
* Once repaid, your score will improve. Having more than just credit card debt on your credit history improves your score.
* Buying on credit will give you more flexibility in case you have an emergency, decide to buy a house, or whatever. You can only spend your savings once.

Given that your score is very high, it probably doesn't matter much either way. Make the decision based on costs and interest rates, not on boosting your credit.
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