<prompt> Human: So, Im almost done with college and plan to start on saving for morgage downpayment. My current credit score is 805. Would it benefit me to try to get it higher? And if yes how should I do it?I have no loans, couple credit cards out of which I normaly use only one and pay full outstanding balance every month. In a moderately good scenario I should save up 10 downpayment in 2 years.  <response>: No, you already have a great score. 