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