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TU 780, How to get to 800 and beyond ? HELP

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Bay_Area_Joe
Frequent Contributor

TU 780, How to get to 800 and beyond ? HELP

So,

I am making great strides to make the 800 club, at least for my Transunion Report.

Basic info is;

Oldest account 22yr 1m, Amex Green

AAoA is only 3 years

Total Accounts is 14

3 with balances, one is auto loan(44% paid off) other two are CC

Accounts in last year 7(one account will be over 1 year in March 2013, another two in April 2013)

Recent Inq 2, both less than 6 months.

Current UTL is 13%

 

Advice is needed where to gain the most points in score or a combination of things.

 

I was thinking another AMEX BCP for backdating and AAoA.

One of the CC will be paid in the next few days, which will bring UTL to about 6%.

Then what next ?

 

Any ideas would be appreciated.

 

Thank you

 

 

About 600k in Credit Lines
CSP 29.9k, Citi DP 58.5k, Chase Sams MC 20k, Amex Hilton Surpass 35.6k, Hawaii Air 26k, Discover More 56k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 63.3k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 50k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 1 of 6
5 REPLIES 5
bradpitt
Valued Member

Re: TU 780, How to get to 800 and beyond ? HELP

Another Amex or two would help huge.

Only let one credit card report.

Get Util to 1 or 2%

You will see a good jump doing those things.

Then garden if you haven't hit 800 by then.

Message 2 of 6
winner88
Contributor

Re: TU 780, How to get to 800 and beyond ? HELP

2 backdated AmEx would get your AAoA past 5year mark .,.. that should get you very close to 800

EQ 772
TU 764
Message 3 of 6
Dustink
Valued Contributor

Re: TU 780, How to get to 800 and beyond ? HELP

Loan paid down and one cc reporting between 1-9% with rest paid off. Combine that with time and you will be over the 800 mark.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 4 of 6
chnceit
Valued Contributor

Re: TU 780, How to get to 800 and beyond ? HELP

Once you are almost done paying off your auto loan and revolving debt to 1-2% for 6 months to a year then your score will be definitely 800. Good luck and I wish I had your score!

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 5 of 6
bettercreditguy1
Established Contributor

Re: TU 780, How to get to 800 and beyond ? HELP

Your porfolio is very good. Time is a very important factor for the 800 club. Do not try so hard, one day, POOF it will be there. (I've been there and will be back soon too!)

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 6 of 6
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