possible?

[Anonymous]

credit score jumped 50+ points today. so happy about it!  in the garden till June. does anyone think i'd be able to hit 700s across the board? or maybe very close? i'd like to apply for Amex ED or BCE by my birthday (mid June). would it be possible? AMEX is the goal. as well as 700 across the board 

[Anonymous]

Bump

[guydiver]

Need some more history.  What is your AAoA?  What is your current revolving utilization?  Do you have any negatives reporting? What is your credit mix like?  Any installment loans? Mortgage? student loans? The more info you provide the better your question can be answered.

[Anonymous]

AAoA is 0y4mo. Overall util is between 30 and 35%. No installment loans, mortgage (live with parents), nor student loans. no negatives. Got my first credit card Augusr of last year. And no negatives. Myfico shows my payment history as exceptional 

[Anonymous]

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@Anonymous wrote:

AAoA is 0y4mo. Overall util is between 30 and 35%. No installment loans, mortgage (live with parents), nor student loans. no negatives. Got my first credit card Augusr of last year. And no negatives. Myfico shows my payment history as exceptional 

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You have what is known as a thin file, but it is also a clean file. Many issuers are fine with thin and clean. I think you have an excellent shot at some successful apps in June. I know Discover will give you some love, and quite possibly Amex. The only thing I'd suggest is that you get that util percentage down under 10%.

[Anonymous]

yeah, i'm working on it. haven't used the Journey yet and I plan to keep it that way and just focus on paying all but one card down to 0 and have that one card report 1-9% util.

[takeshi74]

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@Anonymous wrote:

credit score jumped 50+ points today. so happy about it!  in the garden till June. does anyone think i'd be able to hit 700s across the board? or maybe very close?

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Impossible to say with the data provided.  Scores don't just change arbitrarily.  Any score is based on the data in a report.  Do you anticipate improvements that would jsutify such an increase?  What change(s) led to the increase that you experienced?

[Anonymous]

patience, you will get there!