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Here is my story:
Total Cards active: 12
Total Cards closed: 21
Total CL: 179,300 K
Total Due: <$100
Missed Payments: 2 (10/2012 & 12/2015) both 30 days
Average credit age: 3.6
Inquiries: 1 (it was for Amex SPG so I guess EXP)
No other negatives
I checked my Citi Fico and US Bank Fico scores (assuming these are EX / TU Fico and not FAKO). My scores are 800
What can I do to increase my score further? How long will the missed payments take to fall off my CR?
Thanks in Advance!
Based on what you posted, I'm not sure if there is much you can do to see an immediate boost. You have really low utilization, so opening new accounts would not really help you (if anything, they would just include a HP and decrease AAoA and thus hurt you). Your AAoA is pretty low at 3.6 years, so I would just let that age another year or two and you should see modest gains.
The only thing I've found to make it happen is be patient, use the cards, and pay them every month. With time they'll go past 800.
The way I got past 800 was adding all 3 scores together. Then I was at like 1800 and change.
Yeah, I know. Not helpful at all. I'm just bored at work.
Citi provide bankcard score 8 model, runs 250-900.
US bank's score is a FAKO.
If you do not have open installment loan, suggest open a SSL, most people will see about 30 points jump.
Please read this thread for step by step instructions
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Adding-an-installment-loan-the-Share-Secu...
@vish1 wrote:Here is my story:
Total Cards active: 12
Total Cards closed: 21
Total CL: 179,300 K
Total Due: <$100
Missed Payments: 2 (10/2012 & 12/2015) both 30 days
Average credit age: 3.6
Inquiries: 1 (it was for Amex SPG so I guess EXP)
No other negatives
I checked my Citi Fico and US Bank Fico scores (assuming these are EX / TU Fico and not FAKO). My scores are 800
What can I do to increase my score further? How long will the missed payments take to fall off my CR?
Thanks in Advance!
In a word - Time. Look at my signature. I'm still not in the 800 club on all three CRA's. I'll finish paying off a loan this month too so I expect all scores to drop a little - 10-15 points each. Been rebuilding now for 10 years. It takes patience. And, with your scores, you don't really need them any higher to get what you want. It is all academics and fun at this point in your journey. So, sit back and relax and enjoy the scenery.