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IMO, if you don't have a mortgage, you're not concerned about your FICO score. Mine is still high but I don't plan to take out any loans. Using an Amex will keep your FICO score up and you don't carry any monthly debt.
True enough. We financed my wife's car a few years ago and we maxed out. Haven't had a loan since and the score is a little less. We have a couple credit cards and pay them off quickly ... the gas card before we clear the pump.