 Open phones at 888-825-5225. Zachary is in Columbus, Georgia. Hi, Zachary. How are you? Good. What about yourself? Better than I deserve. What's up? So me and my girlfriend are planning on buying a house in two years, and I was wondering if I have an 800-credit score, if I should let it go to zero, or if I should uphold this and continue on that path. Hmm.