<prompt> Human: It seems like Ive been forever stuck in the 700s for several years, and no matter what I do whether it be pay down accounts, open new ones, or open new types of credit; I can never break the 800 threshold. Assistant: Once you hit around 740-760, most lenders will give you the best rates and terms; theres little practical difference between a high 700s credit score versus an 800 score.Human: Ive heard this too as 720-740 is the beginning of Tier 1 credit. But to me its just a notoriety thing of having 800 credit.  <response>: The...notoriety? What do you think is going to happen when you have above an 800 score? Absolutely no one cares, including the banks. The banker isnt going to come out of his office and shake your hand because you have an 800 score.Here is 