[abfunders]

The difference between a 760 and an 800 isn't very much. However, there probably are extra inquiries that could push it down 10-15 points.

It is worthwhile to use someone to remove "stray" or "extra" inquiries. Prevents the regular banks who care about "shopping around." Credit card limits might get higher as well. Lenders like Velocity or MCA companies mainly care about the FICO itself, so a 760 is the highest "low-water" benchmark I've seen in the non-bank world to get the best rates.

[Winning]

Credit card limits might get higher as well.

I was thinking that if I could get my current credit card providers to increase my credit line, that may boost my score, plus the added benefit of not adding a new inquiry or lowering my average age of credit. So I logged into my acct and requested it.. 2 weeks later I get a denial letter stating that they would not raise it because I don't utilize the credit that they have currently given me. This was my 1st time ever getting a denial like that! Thought that was interesting... Since then I have been making a conscious effort to use that particular card more.