Typically cut off for Tier 1 credit is 720. Anything more than that is probably costing you in opportunity cost.
By this I mean you would probably be better served to have a couple of 0 % credit card out there with a nice balance and have that money in a savings account earning you 4 or 5 %. You would still be in the mid 700 and if you had 20K in CC debt but simultaneously had 20 K in a bank account earning 5% than at the end of the year the 50Points on the Fico actually is costing you 1000 in cash. Just my Opinion. It does require a little bit of management to play the credit and credit card game.
