What is the point of a good number unless you use it? Which will lower it. I don’t care because it’s not in a frame on the wall. It is a tool lender use to grade risk. Timing and 0% temporary credit (furniture etc.) deals have saved me more than a score ever has. If you’re borrowing for a purchase, shopping a rate is part of the deal. 75 points on a credit score either way won’t move the needle. It is what it is, it will change when earnings and debt and behavior changes. Worries about grade that doesn’t affect you is silly.