NsurN1987 wrote:Im 20 Years old and want to increase my credit score. Right now I have a 795 and want it to get above 800 before I purchase my first home in May of 2009.In may of 2007 I had $2500 balance on my credit card (Maxed) with 22.3% interest.-Another credit card with a $400 balance on another with 17.6% interest.-A $1600 Student Loan with 13.5% interest-Loan for a Motorcycle of $2100 with 12% interest.I was getting hit hard on the credit card. So I refinanced my car wich was just paid off and paid off all debt. Then I sold my motor cycle wich I had for 2 years. Now I still owe right at $1650 on my car. And the balance on credit cards is $0.I have never been late on a payment is there any way for my credit score to go above 800? Or will I have to get the mortgage with my current score. Is a 800 score enough to get a 30,000 dollar loan if I down pay 50%?