http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-path-to-800-next-steps/m-p/1381941#M62891 <p>So, with the exception of a lien withdrawl that has been approved by the IRS on the 17th and is slooooowly snaking its way through the systems to be removed from my CR <em>(really, how frigging long does it take?!?)</em>, my report is totally clean.</p><p> </p><p>What my CR lacks, however, are open tradelines. The mortgage and HELOC I had and paid out when I sold the house is reporting nicely. The 3k secured Visa I got is reporting nicely, as I'm doing my part to stay current with a zero balance. And that's the only card/open tradeline I have.</p><p> </p><p>What should be my next move re: getting my score up. I live in NYC, so getting an auto loan isn't the brightest of moves...</p> Wed, 02 May 2012 23:08:23 GMT Wcv 2012-05-02T23:08:23Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-path-to-800-next-steps/m-p/1381941#M62891 <p>So, with the exception of a lien withdrawl that has been approved by the IRS on the 17th and is slooooowly snaking its way through the systems to be removed from my CR <em>(really, how frigging long does it take?!?)</em>, my report is totally clean.</p><p> </p><p>What my CR lacks, however, are open tradelines. The mortgage and HELOC I had and paid out when I sold the house is reporting nicely. The 3k secured Visa I got is reporting nicely, as I'm doing my part to stay current with a zero balance. And that's the only card/open tradeline I have.</p><p> </p><p>What should be my next move re: getting my score up. I live in NYC, so getting an auto loan isn't the brightest of moves...</p> Wed, 02 May 2012 23:08:23 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-path-to-800-next-steps/m-p/1381941#M62891 Wcv 2012-05-02T23:08:23Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-path-to-800-next-steps/m-p/1382125#M62896 <blockquote><hr>Wcv wrote:<br><p>So, with the exception of a lien withdrawl that has been approved by the IRS on the 17th and is slooooowly snaking its way through the systems to be removed from my CR <em>(really, how frigging long does it take?!?)</em>, my report is totally clean.</p><p> </p><p>What my CR lacks, however, are open tradelines. The mortgage and HELOC I had and paid out when I sold the house is reporting nicely. The 3k secured Visa I got is reporting nicely, as I'm doing my part to stay current with a zero balance. And that's the only card/open tradeline I have.</p><p> </p><p>What should be my next move re: getting my score up. I live in NYC, so getting an auto loan isn't the brightest of moves...</p><hr></blockquote><p>With the VISA, make sure you use it to so that the agencies see that you are using your credit wisely.  Even keeping a small balance on occasion will help.  Nothing extravagant - something like $100.  Look at it as bait to keep the VISA people thinking that you are a customer and not just one of those &quot;deadbeats&quot; who pays off their card before due.  :smileylol:</p><p> </p><p>And as usual make sure all your bills are paid on time, utilities first, mortgage/rent, CCs, etc.  What I found useful was to set up bi-monthly payments from my online banking so that I don't forget to pay off a bill by its due date.  Once you set it up it clears the mind and give you a bit of satisfaction that you've taken care of things.</p> Thu, 03 May 2012 00:26:30 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-path-to-800-next-steps/m-p/1382125#M62896 Roarmeister 2012-05-03T00:26:30Z