<prompt> Human: Some examples I can think of are: Much lower APR than 700 Higher principle loan Negotiating power with loanerscreditorsWould be curious to find out if there is a noticeable difference, confirmation to the above, or other perks most people would not think of.  <response>: Im at 777. If I need it, its there for me. But like poster above said. My goal is having 0 debt. I utilize less than 1 of my available credit. I hate having credit debt! 