818 credit score for me.

No desire to buy a house, though, so it really doesn't matter much.
However, if I pay off my student loans then it drops to ~800. I don't understand that. I know that it is good to show that you can pay loans and such, but after this many years of showing that I'm good to pay bills... can't we just default to awesome score with lower owed amounts?
Not at all. I was just wanting to purchase this Jeep but for now I have to build my credit.

I had a dream the other day that I had a little Jeep. A bit unnecessary here in Ohio except for a few days a year... but I was surprised how much I liked Dream Jeep.