Next Steps - 732 EQ FICO - Any Pointers?

[pmbrian]

Hi Everyone ~

So, boy have I come a LONG way!!!  Was in the mid 500's about 3 years ago.

Now I stand at 732 EQ FICO (Purchased here on myfico.com).

Here is a summary of my accounts:

Amex Green Charge - Posts about $4000 per month to the CR, no late pays and I do pay it off about 7-10 days before the due date every month

Discover - $0 Balance, $12,300 Limit  - Never Late

WSECU Visa $0 Balance, $7,000 Limit  - Never Late

Car Loan 1 - Balance $54,300 Origional Loan Amount $61,500 - Never Late

Carl Loan 2 - Balance $24,520 Origional Loan Amount $30,000  - Never Late

House Loan - 443,362 - worst late was 120 days back in December 2008

HELOC - $112,410 Balannce - Limit is $111,600 - worst late was 90 days back in Decemebr 2008

Oldes account age is 12 years AAOA is 8 Years.

That's it - I am now at EQ 732 - any ideas on brining the score up higher?

Will paying down the HELCO Balance bring up the score, or am I just looking at aging now?

Thanks to everyone on this board, without you, I would not be sitting here where I am.

[annielorie]

Two things your HEloc has more owed than the original credit line BAD. Also it doesnt matter if you pay in full 7-10 days before due date only thing that matters is the statement cut date. I hope that helps