Importance of credit scores

Rates are set by loan amounts, down payment and credit scores. I remember a short time ago when I could easily answer what are rates. I say more complex now than before but here is an example.
Purchase 10% down $417,000 loan amount credit score 760 versus 680.
760 score 3.375% at 0 points
680 score 3.875% at 0 points
So here are my tips
Have 4 open actice credit accounts
Have these be credit card and installment loan
Use these accounts pay them in full each month
Remember if you carry a balance make it less then 25% of the available line you have
Pay it on time
Do not apply for new credit
Get the lines as high as possible

You will have a great credit score

Thank you


Alan