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PIF, no baddies, 3 cards, less than 10% util. How many points do you think can be added by next year?
It really depends on your current score(s) - and other factors such as:
1) Current aggregate utilization % (since you are already under 10% no likely bump here)
2) # cards you have and # reporting a balance (If reporting a balance on all 3, drop to 1 for a score boost - perhaps 10 to 15 points)
3) Age of cards and whether you will go though an age threshold for newest account or AAoA (Your youngest account will reach a year old and that should provide a boost in score - not sure how much. You may also see an additional boost when your AAoA reaches 2 years age)
4) You have inquiries less than 6 months old that all will reach a year age in 12 months (could get a 15 to 30 point boost - assuming no new inquiries)
5) Credit mix (do you have an installment loan or will you be getting one?)
What are your current scores?
Assuming you are currently in the 650 to 670 range, a potential increase of 40 or 50 points is certainly possible by 9/2016.