This is just the information I was looking for. So it really looks like it won’t make a difference post 775 and I shouldn’t even bother trying to get it higher. I’ll just keep paying off the CC’s every month and accumulating $$$ for a down payment.

I understand what you are saying about the opportunity cost, but I am generally very opposed to sinking myself into any unneeded dead just to bank an extra 1000 at the cost of credit score and my own personal time for money management. The only debt I’m hoping to have is my mortgage, and I’m trying to minimize that as well.