i'm currently have a CTOS score of 800+ (excellent) - last checked on April
i finished my car loan about a year ago & do not have any current loan
i have a credit card that i seldom use, if any

just wondering will my score goes down if i keep it this way?
will it affect my loan application later?

i do plan to apply for mortgage loan in the near future

This post has been edited by Reeson: Oct 2 2025, 09:32 PM