@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.
So, the question is...is an 800 score for pride? Anything over 750 gets you the same rates as an 800+ score would.
Not saying that you shouldn't shoot for 800 but is overrated IMO. Besides, a ding from 800+ has a greater impact (fall in score).
Some examples are here: http://ficoforums.myfico.com/t5/forums/searchpage/tab/message?filter=labels%2Clocation&location=foru...
@Fico2Go wrote:
@LearningMoreAboutCredit wrote:
@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.
So, the question is...is an 800 score for pride? Anything over 750 gets you the same rates as an 800+ score would.
Not saying that you shouldn't shoot for 800 but is overrated IMO. Besides, a ding from 800+ has a greater impact (fall in score).
Some examples are here: http://ficoforums.myfico.com/t5/forums/searchpage/tab/message?filter=labels%2Clocation&location=foru...
It's not for pride but so that I can take a ding or two without dropping down sub 700. When I was at 750 a ding or two took me down to 680.
What two dings took 70 points off your score? Seems like a lot
As far as improving the score.. you have good mix of credit. 8 cards should certainly enable you to reach high scores. How many are carrying a balance? What's your overall utilization? Highest individual utilization?
@Fico2Go wrote:
@Bman70 wrote:
@Fico2Go wrote:
@LearningMoreAboutCredit wrote:
@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.
So, the question is...is an 800 score for pride? Anything over 750 gets you the same rates as an 800+ score would.
Not saying that you shouldn't shoot for 800 but is overrated IMO. Besides, a ding from 800+ has a greater impact (fall in score).
Some examples are here: http://ficoforums.myfico.com/t5/forums/searchpage/tab/message?filter=labels%2Clocation&location=foru...
It's not for pride but so that I can take a ding or two without dropping down sub 700. When I was at 750 a ding or two took me down to 680.
What two dings took 70 points off your score? Seems like a lot
One new inquiry. one new account opened. AAoA dropped from 3.9 to 3.7 years. Total Util ratio increased to 23%.
S-word! One new inquiry? ffs, I've been dinged twice with unauthorized hard pulls in the last two months - one from a car dealer and one from Comcast.. and my score has climbed steadily anyway! And that's not a big change in AAoA either. It must have been moving out of some low-util bucket into an over-20% bucket. Just guessing
@Fico2Go wrote:
@Bman70 wrote:
@Fico2Go wrote:
@LearningMoreAboutCredit wrote:
@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.
So, the question is...is an 800 score for pride? Anything over 750 gets you the same rates as an 800+ score would.
Not saying that you shouldn't shoot for 800 but is overrated IMO. Besides, a ding from 800+ has a greater impact (fall in score).
Some examples are here: http://ficoforums.myfico.com/t5/forums/searchpage/tab/message?filter=labels%2Clocation&location=foru...
It's not for pride but so that I can take a ding or two without dropping down sub 700. When I was at 750 a ding or two took me down to 680.
What two dings took 70 points off your score? Seems like a lot
One new inquiry. one new account opened. AAoA dropped from 3.9 to 3.7 years. Total Util ratio increased to 23%.
Reduce utilization below 10% (individually & overall) and age accounts. Once you reach AAoA of 5 years, you'll get rebucketed and scores will improve even more. Therefore, my prior advice still stands.
Adding new lines of credit will reduce AAoA and I know you know this if you're here...new INQ's will take a couple of points here and there also.