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@Anonymous wrote:Getting your UTI under control will likely get you in spitting distance of 700 at the very least.
For best UTI, only let ONE card report a balance, and that should be <9% of that cards limit (not your total credit limit). You're likely to hit a ceiling of around 725-750 until all derogs are off your reports. After that as long as you keep current on all payments, and don't let UTI get out of control, 800+ will just be a matter of letting your accounts age.
You don't mention whether you have a mortgage and an installment loan - they are part of the credit mix portion of your score.
^^^^^^ agree 110% with Norman. This is what I did and it worked for me just like Norman has explained.
Great post. Got some good info that i will be trying on my journey to the 700 club.
@800ficogirl wrote:
Big Update!!
I'm officially in the 700 Club!!!! 🎉 709 Experian credit tracker. Awaiting updates from other 2 reporting agencies last known was 671s.. Hoping for 700+ across the board. So very happy & proud of myself.
Welcome to the 700 club