What happens to your credit if you stop using credit cards, apply for loans, etc.? Does your score change?
It should not make any difference.
If you have balances on accounts and continue to pay them as agreed, it will continue to go up. If you have balances and do not pay them as agreed, it will go down.
If you have a inactive file for a long period of time however your score will drop.
I have seen people who say they have great credit and when you look at it they have no score at all because they have paid cash for 7-years.