Just providing a quick update. I subscribed for a 3-month membership for my FICO scores and Score watch. Turns out that I have average but not great credit with a score of 690. I'm hoping to get that figure up to 700+ when i pay down my BofA rewards card at the end of this month, or at least get my card utilization ratio to 9% for each of my cards. I'm also heavily considering getting a car loan with my credit union. It would be a $9,000 loan if I choose to take it out.
I'll find out more about my options this weekend.
it will be different for everyone, but 1-9% on only one card is ideal