Can your scores reach a peak?

[masscredit]

I'm going to use myself as an example here. Utilization has dropped down to 8.1% and my EQ score viewed here is up to 695. I have my Barclays card reporting $971. ($3700. CL) and Target reporting $27.00. I thought that one was going to be $0.00 but I was charged interest even though I paid the minimum due before the due day and what I showed as the payoff was in before the closing date.  Anyway, this has got me to 695. I might score a couple of points when Target reports $0.00 next month. Barclay's has a 3.99% interest promotion so I'm going to let that one ride a little. Overall, where I am now is supposed to be the best utilization %. I have an auto loan and a bunch of tax liens. I know the liens are holding me back. They won't get paid unless I find a big bag of money or hit Powerball. If the only other positive thing that I do is pay off Target so one card is reporting and then just keep that card or another reporting each month, have I pretty much reached my plateau? 

I know scores can improve as AAoA increases and as inquiries fall off. I have 2 inquiries from May and I believe one from ealier in the year. I'll have to locate my reports to see. Even at 4 months plus, those inquiries have to be carrying less weight.  I don't see any more big jumps coming up from where I'm at.

And in gereral, do you pretty much get to a point where your scores will kind of stay the same unless you do something wrong or major baddies fall off? 

[guiness56]

And in gereral, do you pretty much get to a point where your scores will kind of stay the same unless you do something wrong or major baddies fall off?

Yes.