Help Getting to 670!

[golfitup]

Looking for some advice and help on best way to get to a 670 Equifax. Hope to get there by August of 2015.

Started at 481 now up right at 600. Removed 10 of 18 negative items through PFD and Challenges. 8 left to delete. Currently 5 installment loans open, all positive history. Will be reducing to 2 open installment loans in the 1st quarter of 2015 by paying off the other 3 relativly small accounts.

Currently 1 open revolving card reported at 2-9% each month and then paid off in full. Its a recent account, I've one made 2 payments. Opened in August of this year. 

Big question: How to get it up to a 670?!? Trying to achieve a goal loan rate that I can obtain at that score of 670. Obviously getting some more negatives deleted will help but should I open a new revolving line to have 2 open revolving accounts and keep the one reporting 2-9% and just pay the other off before reporting each month? Would this actually help my score any?

Thanks!!!

[thatguy1]

1-2 cards would help depending on what you AAoA is at now.

[Anonymous]

A second revolving account won't hurt. Get six months of payments under your belt and request CLI on your card. The way I see it, all you really need to do is age your current account and let it grow. Don't know how high that will get you but thats the way its done. Keep working the derogs off.

[golfitup]

Its around 2.5 years. Oldest is 8 years old. 

[thatguy1]

I would do one more card right now and wait 6-12 months to add another.