<prompt> Human: Ive reached all of my goals of paying off my debt student and car loans and saw my credit score drop from 820 to 775. I maintain about 20k in cc credit lines fully paid off every month The main cause is a lack of diversification in debt type. Any tricks for keeping your credit diversified to keep credit scores higher, without paying for something you dont want? Is there a big benefit to being 50 points higher? BTW A house isnt an option at this point in my life Thanks.  <response>: To your last question, anything above 750 is virtually the same 