Looking for some help and education

[Skippy101]

Sooo the past 5 months my score has stayed at 696 fico from experian wont go up or down I have 4 cards ult at 3% azeo no lates or misses all baddie's removed so my question is why won't my score go up or down if im keeping all my accounts active and doing everything right 

[FireMedic1]

Question is. Your doing whats right. Though whats holding you down in the 600's? And do you have any installment loans right now.

[GApeachy]

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@Skippy101 wrote:

Sooo the past 5 months my score has stayed at 696 fico from experian wont go up or down I have 4 cards ult at 3% azeo no lates or misses all baddie's removed so my question is why won't my score go up or down if im keeping all my accounts active and doing everything right 

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What's your credit age.....average age of accts, age of oldest acct, age of newest acct, inquiries- how many and how old are they?

[SouthJamaica]

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@Skippy101 wrote:

Sooo the past 5 months my score has stayed at 696 fico from experian wont go up or down I have 4 cards ult at 3% azeo no lates or misses all baddie's removed so my question is why won't my score go up or down if im keeping all my accounts active and doing everything right 

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-you have 4 credit cards

-your revolving utilization is 3%

-all revolvers except one are reporting zero balances

-you have no negatives

There has to be some information you're not mentioning. Please provide the full picture, and we'll come up with recommendations on how to improve your scores.

[Skippy101]

Looked at my report just now 

avg age is 6.4 years 

most recent is 8 months 

car loan 25k left to pay no misses 

chase freedom zero balance 4500 limit 

chase freedom flex zero balance 4500 limit 

Bank of America customized cash 5000 limit reporting $50 balance ( my azeo ) was paid after statement cut 

discover card zero balance 2500 limit 

self inc 24 months fully paid in 20 months 

that is everything on my report never miss or pay late always pay in full 

[Skippy101]

Also my eq 698 TU 695 EX 696

[GApeachy]

Car loan..... is it financed and notated as a "Consumer finance account"?

I have more questions but we'll pick them off 1 at a time. 

[Skippy101]

6 inquiries 3 fixing to age off ( from my car ) and most recent was 8 months ago 

[GApeachy]

@Skippy101 we're responding at the same time, see my post before yours😁

[Skippy101]

It is financed through Vystar credit union