On a lark, I signed up for a free trial of MyFico.com. Ever the anal retentive type, I have a perverse desire to get my credit score over 800.
According to the guidance on MyFico, two things are holding me back:
1. Recent inquiries - I have been changing credit cards to maximize gas card rewards
2. Balanced used - although good, my score will probably go over 800 when I pay off the balance on the account I opened to do a Zero percent arbitrage.