For years, my credit rating has been around 760. I have a mortgage, 2 auto loans and a credit card that I'm never late on. Earlier this year, I received a loan to replace my carpets with laminate. My credit went up to the 790s within a month. Today, I made my last payment for this recent loan and my credit dropped over 30 points. I haven't been late on any of my open credits, haven't had my credit checked, haven't opened any new lines of credits so I'm not sure why it dropped so much. So how the hell do I get to that golden 800? Is incurring more debt the only way to reach it? If so, this credit system is fucked up.