I'm working on improving my scores also, but with no derogs and no incorrect information to correct, I'm at a loss also. I'm planning on opening another CC or two, increasing my CL's, decreasing my utility, playing the game, etc. But I think most people on these forums are working on getting their scores past a much lower benchmark. People always point out to me that there is no difference between a 780 and a 820. For me it's just personal. I want all my scores to be above 800.
edit: also, I'd like my scores to be above DW's, which are just a tiny bit higher then mine.
What is the age of your oldest account and the average age of your accounts as cited from your credit reports? Also, what is the ratio of your revolving balances to your credit limits (you mentioned that you have $0 debt, but I want to see how that's being reported)?
BMW..............I wasn't aware having a bank account figures in the aging of accounts. I know my grandfather (God bless him) opened a savings account for me when I was born, but that has no bearing on my FICO reports.
In any event, I don't think there's much you can do - other than to let these accounts age. I know having a mix of credit helps a bit.
New York Yankees - 2009 World Series Champions. 27... and counting.....
Unless that bank acct. from when you were 5 is somehow being reported...you shouldn't have a 25 years old credit file. Your credit file actually starts with a line of credit extended to you. Were you possibly an AU on gpa's acct at 5? From what I understand...our 800+ FICO friends have credit histories that date 30 years or so! Everyone on here is right...unless it is ONLY a personal thing...any thing above 780 isn't treated any differently than a perfect 840!!
$1,000,000 in mtg's might have an impact on why your scores are stuck?!...What was the original balance of those mtg's They may be reporting 90+ % util....same as auto.
Your credit is excellent...and something you should be VERY proud of
Lowering any util. will be where you can possibly see an increase. YMMV That and aging of your file, you are on the right path, though!