Established Contributor
Posts: 766
Registered: ‎01-16-2012
Re: Can I really garden my way to 800+?

This should probably be in the score forum instead of here, but: I suppose it may be possible to hit the 800s with only revolving credit on your report. Especially if you have a relatively low AAoA now, the gains from a year or two of doing nothing could be significant. But a percentage of your score (very small, in some cases) is based on "mix of credit" and you won't be able to maximize these points with just credit cards. You may stall out below 800.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.