Below are my current scores and my goal scores. I have <1% overall utilization, and no more that 5% individual utilization. Mix of credit is good and the only thing I think that can help me is letting all my accounts age and not rack up any more debt. History: 3.2 years AAoA: just shy of 2 years.
Starting Score: EQ 740 TU 757
Goal Score: 780
Starting Score: EQ: 740 -- TU: 740