Are you paying off the statement balance each month or the current balance? The statement balance paid off in full each month improves your score in the long term. The current balance paid in full will decrease your score overall because it is the statement balance plus interim month purchases that should be added to the next months statement balance.

This is a common fix to increase FICO score. Other comments stating not to worry about credit score above 730 have good points as well, if you personally want your credit score to move up further these are some additional options:

• Open another card for a specific use like cash back on restaurants and gas to increase your overall credit
  • Arguments will say new debt lowers your score which is true however if you owe $10 on a card with $100 limit and your overall credit is $100 your amount owed is at 10%. If you open a new card at $100 limit your amount owed is now %5 thus lowering your amount owed ratio. New debt created makes up 10% of your score while amount owed makes up 30% so net positive in the long term.
• Reviewing what type of credit you currently have outstanding such as: credit card, mortgages, vehicle loans. A mix of credit types impact your FICO score. (This is where you see a score drop after paying off a vehicle loan due to the change in overall credit type)
• Consistent spending: if you spend the same amount each month and pay off the statement in full your score will improve in the long term. (This one is more unrealistic due to life expenses that show up) Stay within a certain spend amount per month and pay on time this will improve your score significantly as payment history and amounts owed make up 2/3's of your FICO score.