<prompt> Human: Hello PF with the help of this subreddit and other online resources I have increased my credit score from 610 earlier in the year to 785 currently. I had some collection items that I got cleaned up and havent missed a payment in 2 years. My question is, how do I keep it high? I am in an aggressive plan to pay off my debt CC gone by November, student loans in 24 months and I have no plan to take on any more debt. Do I need to use my credit cards just for the sake of using them? My fear is losing points due to lack of activity. I want to buy a house but not for a while. Any advice?  <response>: Just use your credit cards responsibly and only for things you need to buy like gas groceries and pay off the full statement balance every month. 