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Under 10% is better...

This would explain why my previous above-800 FICO score was less than that last time I checked. I've also closed many old cards, or had them closed for lack of use. I guess I could ask Fidelity to raise my limit. We use that card for essentially all our purchases because of the solid 2% back on everything (which has been funnelled into DD's 529 account since I got the card -- a huge boost to that account).

ThyPeace, recalls with some cheerfulness a mortgage broker calling me up and asking, "How did you get a score over 800 at your age? I usually don't see those until people are 20 years older than you are!" Of course, that was nearly 20 years ago, so it's no longer as nifty. But it made me feel quite grown up at the time.
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