<prompt> Human: So I am planning to start looking for a condominium in the city some time in 2018. This is basically the biggest financial investment Ill ever do, so I want to be able to get my credit score as high as possible before then its at 760 now, and was wondering if anybody knows if theres things that would help within this time frame.According to my report, the biggest limiting factor is my lack of credit variety. I have no late or missing payments, but I only have one Visa credit card and one nearly done student loan I am paying off.Of course my first thoughts are to apply for another card, or maybe a credit limit increase, or buy a TV or something with some installment payments to get some more credit on there. However, these would all generate a hard pull, which as I understand it would also hurt my score, so Im not sure if the benefit outweights the penalty.Any advice or info would be appreciated!Assistant: past a certain point, its meaningless. at 760, you should already qualify for the lowest rate the bank offers assuming other factors like income and burden ratio dont weigh on you.I wouldnt take any extreme measures to attempt to improve it. Human: Really? Some of my friends had told me that 800 was a premium cutoff where you get the best possible rates, so I had been aiming for that, is that just a misconception?Assistant: Im around 780 and was just approved at best possible rate. At this point time is your enemy not your credit score. Human: FML, we are moving next June and wont be ready to buy till June 2018 probably. Hate watching the rates go up in the meantime. Assistant: Rates still great. I had an 8.5 in Dec. 92 Human: Wow, I cant even imagine. Is a mortgage even better than renting at that point?  <response>: Thats a question thats different for everyone at different times. 