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David,

Currently, it is 771. I'm sure as I pay off a credit card, it will go up. I had transferred a balance on to a 0% offer. I think the high utilization on that one card contributed to the other note they listed, which was the ratio of balance to limit. That really only applies to that one card. I have an Amex card I use pretty much only at Costco (until their upcoming change). I have an Amazon rewards Visa card. Both of those get paid in full every month. Two other revolving credit accounts (credit cards) are zero balance and idle, after having been paid off completely.

Part of why I was curious is a set of upcoming purchases. In the next year or so, I'd like to buy a house. My 1999 Toyota will also need replacing at some point. So, headed toward the mortgage process, I was looking to see the credit score, and if there were any reasonable actions I could take to improve it.

Justin
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