I had a 825, paid off my house, 1 yr later when I went to get a loan for 30 k to buy a new house, it went down to 809. I never paid a dime of interest on a credit card, have always paid off any car loan in 6 months, and dump thousand a month to get rid of this 30k loan which is now down to 8k. These good rates generally get you a better rate when getting any loan. they also refer to how much debt a bank is willing to risk on you.
Last time I checked my Trans Union credit score it was +931 out of a possible +934.