All my pretty plastic and huge thanks to my fico

[LTomBerry]

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@dalebb wrote:

well done Tom

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Thanks, the insight I was trying to give with my post is:

You don't need to have 25-30 accounts

You don't need to have a mortgage

You don't need 20 years of history

to break 800. You might, though, to get near 850.

I don't even play the game where you only let one card report a balance and pay all the others down to $0 before the statement cuts. All 4 of my cards were reporting a balance when I applied for my BofA Visa when they sent me that EX score. Once again if I was shooting for 850 I would go through the hassle, but with 800+ you'll probably get the best terms from any lender.

Just be picky about the accounts you open, keep the payment records spotless, and keep the inquiries / new accounts down to a minimum. It's not as hard as people think, it just takes a few years, and some patience, especially if you have to wait for baddies to fall off the 7-yr cliff like I did.

[birjest]

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@LTomBerry wrote:

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@dalebb wrote:

well done Tom

---

Thanks, the insight I was trying to give with my post is:

You don't need to have 25-30 accounts

You don't need to have a mortgage

You don't need 20 years of history

to break 800. You might, though, to get near 850.

I don't even play the game where you only let one card report a balance and pay all the others down to $0 before the statement cuts. All 4 of my cards were reporting a balance when I applied for my BofA Visa when they sent me that EX score. Once again if I was shooting for 850 I would go through the hassle, but with 800+ you'll probably get the best terms from any lender.

Just be picky about the accounts you open, keep the payment records spotless, and keep the inquiries / new accounts down to a minimum. It's not as hard as people think, it just takes a few years, and some patience, especially if you have to wait for baddies to fall off the 7-yr cliff like I did.

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I want to say, THANK YOU.  After apping for cards, I was about to play this game, like so many say to do.  But, it was a bit time consuming just thinking about it.  I would say that I do do a BT from high interest cards to 0%BT cards to take advantage of the program.  Sure I pay a 3% fee, but compare that over a 25.99% interest rate card (Dell), I would gladly do it again.  I have a deed in lieu that have 4 more years to go.  From my understanding, once this fall of, I should be able to get back 100 points or so to get in the high 780 to low 800.  Thanks!!!