Majority of the comment read like this

To maintain that 800 means you have to maintain debt, maybe not a lot, but it requires it. I noticed when I hit 800+ that shyt would drop 10 to 20 points I paid off my cc in full every month. Im debt free but use cc for the benefits. I make over 100k as well.... Give me the money. You'll be fine with just a 730 score.... Hell even a 700 is nice.