Think we can hit 760 this year?

[Anonymous]

Did dumb stuff, had scores in high fours, low fives a couple years ago. Got our act together. Paid off a TON of debt. Got another house at a decent rate (still have one for sale in another part of state, so felt lucky on that one)

Scores are 709 and 717. Paying off about $1200 a month in cc debt. Mortgage payments made a month in advance.Haven't had any lates in over 3 years.

For some reason really want to see scores over 750. Just for personal satisfaction.

Think it'll happen this year??

[RobertEG]

Not seeing your CR, its hard to speculate.

The first thing would be whether you have any major derogs, primarily COs or collections, still showing.

At your current score level, I would speculate that a move into the mid to upper 700's would be very difficult with major derogs reporting, paid or not.

However, if clean of major derogs, and a score in the 700's now might indicate as such, then you have tools in the other categories that could show still lead to mid 700 scores.

[bridgetkaryn]

Also, how much CC debt do you have?  debt/credit utilization is usually 35% of your score so if your UTL is high and you pay that down to 9% or less you could see a significant bump...

[marty56]

My TU score got  to 777 with a single 5 year old major derog (120 day late).  My AAoA was 10+ years and I have a long history and low CC util.