@Anonymous wrote:
Other than paying off my debt, and never missing any payments for anything, what can I do to get to my 850 Credit Score quickly?
How's your util?
I sit in the high 700's. I got the free trial of scorewatch earlier in the year and was able to break the 800's (815 I think?) by playing around a bit. The most change I was able to make in a short amount of time was a game I like to call, "The Utilization Game." In case you haven't heard (it's brought up many times here on myfico), you play the game like this: Pay off all cards except one before they post; let the single card post between 1-9%.
Nothing else gave me a quick boost in score. Some info about me: Two revolving CC I've had for 10 years (12.5k total limit), one mortgage I've had for 2 years, one hard inquiry from a year ago, no baddies. The only other things I could have done would have been long term: let my accounts age, open a new and different type of debt to vary credit (which would actually hurt my score in the short term by affecting my AAoA), ask for increased limits on my cards (which gives a short term ding on inq's.) Util was the only thing that I could do.
You should know, that even if you hit 850, you probably won't stay there for long. The score changes daily.
jonmyers
