14 accounts = 8 active credit cards, 1 car loan, 1 student loan, 4 closed accounts. What next?

[Fico2Go]

My AAoA is 3.7 years.  All accounts paid on time no lates. 

What would be the next best action to take to optimize my credit history?

Thanks

[fot1]

Optimize how?

[Fico2Go]

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@fot1 wrote:

Optimize how?

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Perhaps I needed to rephrase my question. 

What are some of the ways I can optimize my current credit?

[fot1]

Do you want better cards? Better limits? To buy a house? Travel rewards? UR points? MR points,  Impress the waitress with a metal card? Narrow it down some..

[Bman70]

Or just to get FICOs up near 800?

[Involver]

Do you have any old AMEX accounts?

[LearningMoreAboutCredit]

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@Fico2Go wrote:

My AAoA is 3.7 years.  All accounts paid on time no lates. 

What would be the next best action to take to optimize my credit history?

Thanks

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Time is the only thing that can improve your history...continue on-time payment history and buildup your current credit w/SP CLI whenever possible.  IOW, let your accounts age.

This advice is given without knowing your FICO scores.

As others have stated, if you're looking for cards that fit YOUR spending habits then go for it.  Don't fall for app envy which is not very hard to do if you frequent the forum a lot.  Good luck to you on your credit journey!

[Fico2Go]

I have a 710 FICO now.  My goal is 800 by end of this year.  I'm looking for the fastest way to 800 scores.  

[fot1]

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@Fico2Go wrote:

I have a 710 FICO now.  My goal is 800 by end of this year.  I'm looking for the fastest way to 800 scores.  

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With the cards you have.. pay any balance off but one card at %9 or lower and then sit on your hands and wait..

[Fico2Go]

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@fot1 wrote:

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@Fico2Go wrote:

I have a 710 FICO now.  My goal is 800 by end of this year.  I'm looking for the fastest way to 800 scores.  

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With the cards you have.. pay any balance off but one card at %9 or lower and then sit on your hands and wait..

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Sure I did that two months ago and my scores topped at 750.