[jyl]

I have a few questions about credit scores. I figure some of you know about this stuff.

1. What is the level of credit score that is high enough that it makes zero difference at all to have a higher score?

2. If you are 10 or 20 points below that Nirvana and you want to get your score higher, how can you do so? (Assume that there are zero negatives on the credit report, so the question is, I imagine, how to get more positives.)

I’ve never paid the slightest attention to my credit score. Never needed to. Don’t apply for credit much, never had any problem getting it. Somehow I got a CreditKarma account, and now I’m being reminded every week “your score is X, congrats, apply for this or that” and I’m starting to get competitively interested in it.