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All credit cards paid off completely.. Credit score 755 What now?

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JoshNurse
Frequent Contributor

All credit cards paid off completely.. Credit score 755 What now?

What can I do to improve my credit even more.  For now I got 3 more credit cards but not sure what else to do....

 

Please help I want to reach 800.

Message 1 of 8
7 REPLIES 7
spike69
Frequent Contributor

Re: All credit cards paid off completely.. Credit score 755 What now?

What are your scores now? AAoA? Other trade lines? Baddies? 

Message 2 of 8
JoshNurse
Frequent Contributor

Re: All credit cards paid off completely.. Credit score 755 What now?

No baddies.  I am only leasing a BMW and have about 10K in student loans left.

 

No credit card payments at the moment.  ANything else I can do?  I just got 3 new cards 2 amex and one discover it card.

 

Please help me guys I am not sure what to do...

Message 3 of 8
JoshNurse
Frequent Contributor

Re: All credit cards paid off completely.. Credit score 755 What now?

What is aaoa and my credit scroes range from 751-755

Message 4 of 8
spike69
Frequent Contributor

Re: All credit cards paid off completely.. Credit score 755 What now?

AAoA is average age of account. If all your cards are new this will be low and you'll just have to put in the time to garden them and allow them to age. I have to be frank that most of us here in rebuilding have a goal to be at the scores you have now ( or even lower)- why is 800 important to you? What are your credit goals?

Message 5 of 8
JoshNurse
Frequent Contributor

Re: All credit cards paid off completely.. Credit score 755 What now?

Thanks I will be in the garden once I get the Barclays card. Hopefully they approve me tomorrow.

Also 800 just sounds like a good goal to me.
Message 6 of 8
Shogun
Moderator Emeritus

Re: All credit cards paid off completely.. Credit score 755 What now?


@JoshNurse wrote:
Thanks I will be in the garden once I get the Barclays card. Hopefully they approve me tomorrow.

Also 800 just sounds like a good goal to me.

Garden and enjoy,,, rinse and repeat!  Good job!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 8
buildafico
Frequent Contributor

Re: All credit cards paid off completely.. Credit score 755 What now?

755! I wish lol I think you're doing fine just need time. although I will say if all your cards are reporting zero balances, it might improve your score a tad if one one them was reporting a balance between 1 and 9%

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