I generally pay it off every month but after years of doing that I paid late last month (I think I got real confused about when bills were due because it was one of those 3 paychecks a month months, not the typical 2 paychecks).

I don’t get as high as 800 as I have previously complained about.
But I watch my category go from the highest “excellent” to “very good” to once in a while “good.”
That rating system is deranged.
I don't get as high as 800, but for that you need REAL DEBT, like to have ever had a car loan, a mortgage, maybe student loans (I think my partners score is higher for that, for student loans he is still paying a couple decades after going to school for a grad degree he doesn't use). And nope, I rent and paid cash for cars. I think if fluctuates some for opening up new credit cards/store cards or closing them and I'm not going to worry about that.