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Hello
I have three Credit Card accts. One is closed Two are open. My situation... My credit ratio is 30% in other words I use my cards frequently which is almost bringing me to my Credit Limit.. (It's like gambling.You don't know when to stop). I carry a Balance with the three cards. There will never be a time I could pay the balance off or even pay the balance as I create one. I make monthly paymenrts faithfully.v (since 2010) Now back to my Scores What I know and what I understand
These sevenoptions apply to me
carrying a High Balance
30% ratio
Almost at my credit limit
Not paying Balance as you go.
making monthly payments
Having a short Credit History
No updates or Data (I don't understand this0
My Scores are reaching the 800 level. for Experian and T.U. No Score for Equifax
So instead of my Scores dropping or being low there continueously going up. I would assume the oppisite is happening. Or maybe it suppose to be this way
Thank You
Until you get to a perfect 850 score (Which hardly ever happens.) FICO gives you reasons why your score is not perfect. They are listed in order of importance.
I would suggest that you get 2 more new credit cards right now and keep all your credit cards open. The older your open credit accounts are, the higher your scores will be.