Advice please

[Selena1978]

Ok. I'm trying to get over 700 in 6 months. I'm at 664 Equifax, 645 TransUnion, and 659 Experian. I got quite a few inquiries on my credit report in the last year, a bankruptcy(7) from 05/2014, and 100,000 in student loans. They are in Forbearance. I just paid off all credit cards and installment loans to $0. I did this a week ago.

Is it possible to reach at least 700 in 6 months?

[Anonymous]

Having ZERO utilization and paying off an installment loan can cause your score to drop.

[Selena1978]

Okay. They have not all reported yet. I'll make a small purchase on one of them today. I've paid off the installment loan. I hope that won't hurt me. 

[holmesnmanny]

There are several factors to having a good score. You also need a good mix of credit, which would include retail cards, and it's good to have a real estate loan but obviously not everyone is going to have that. Even though your student loans are in forebearance they are going to negatively affect your score. 

[Selena1978]

Ugh. Trying to figure this system out is frustrating.