Ours have been in that range for years. But whenever we’d apply for credit, we’d hear we’d only need 740 or 760 to get the best rates so there’s some leeway to keep churning CC applications (mostly travel cards) and having scores that afford you the best lending rates. The applications just end up dinging you 5ish points each which is almost immaterial now due to their anti-churning limitations.
The recipe is simple. Keep your old credit cards and keep your largest lines of credit (or replace them with equivalent ones when churning). Don’t miss payments (I set auto payments on all accounts but still monitor transactions daily on all account using personal capital) and you should be fine.
Data Point: this is 2% utilization, 16 accounts, 21 year history, average length 7 yrs.
P.S.: the pay weekly is pretty absurd. Yes it’ll make sure your credit utilization is as low as possible but if you have over $200k of combined credit limit (ours), the difference between 0.5%, 1%, or 2% utilization is insignificant. I could see it if you’re on the bobble just under 740 or 760 and trying to get a loan but I’ve never done any of that. Our statement balances get auto-paid a few days before they are due and we only pay the last statement balance, not the current balance. No need to not keep your money in savings earning 2.5% a few extra days…