“I don’t have the highest number available, but I am in that group and close.”
Some of the tricks to get a perfect score are counterintuitive. Let’s say you have a score of 840 and mortgage, credit cards you payoff each month, but no car loan. Getting a $20,000 car loan could actually bump your score to 850, because your types of credit factor went up. You would think, adding more to my debt total would make my score go down.
Yeah, that doesn’t make sense to me. People who simply don’t need or use credit are forced to take some on just to be in the game in case they might need a score in the future.
Our car is 9 years old and has about 38K miles on it. Has needed only minor upkeep and repair, and there’s absolutely no sense in buying a car ‘just because’.