I was at around 835-840 forever, until I started taking advantage of the zero rates on credit (Home Depot, Best Buy, Lowes) as we were doing our house gutting. Then I took a home EQ loan to help fund some of the rehab.
I dropped to 720 and felt terrible about that. Now back to 823 as I paid all of this stuff off. Just did a refi and we're all good now. All of those cards are now closed, which I'm sure helped. Last month I jumped 60 points.
I guess I was worried about nothing.