Saw mine for the first time as part of an identity-theft program (reputable company).
It’s probably not worth worrying about small differences. I saw some interesting explanations for my score (around 800).
First, I have a couple of credit cards that I usually don’t use (keep them as a “safety” back-up). It turns out that will lower a score by some (small) amount.
Also, one credit-reporting organization said I had a balance of about $2,000 on a card, which also was supposedly a negative. Turns out I always pay off the card I use monthly
so it was somewhat of a surprise (if the report had been done one week later the balance would have been zero!).
Finally, big purchases (such as a car) are always paid in cash, so the credit-reporting organization has no info to make an estimate (sounds almost like what’s been happening in the sub-prime mortgage market?).
I suspect the person who said 720 or above is good has it right.
It may not have made a difference. Each creditor (credit card company, mortgage lender, etc) reports once a month, on the same day. What you need to do is find out what day of the month that credit card reports, and pay it all off but 1% of the limit. Then pull credit a couple days later. Then feel free to pay the remainder off.
Reason is that the best balance is to use the card, but not too much - in other words, use between 1% and 9% of your available credit.
However, at your score, who really cares? You're far above 720.