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For a few days a couple of months ago my FICO score was 791. My available credit card credit is over $200,000. At the time I think we had about $49,000 in credit card debt ...don't recall exact amount.

FICO is currently 750...I do monitor. We have not increased our credit since it was 791. The factors that seemed to have caused the decrease:

Amex reported we had a high balance. This was true but actually paid in full that month so was annoying. We put everything we can on the Blue Cash card so it always has a high balance which we pay in full each month. But it is reported as debt so does increased the utilization and drops the FICO.

I bought a new aircard from Sprint and there was a credit inquiry.

Although I've been at 750 FICO since May, every day I get offers for new credit cards some with attractive BTs. I considered taking one the other day but thought that the inquiry would drop the FICO more than I want.

Anyway, having a lot of credit doesn't seem to have had much negative effect, if any. The main factors for us have been utilization and credit inquiries (we had several in the past year as we bought a new house and had some credit inquiries associated with moving twice).
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