What needs to be done to get 700 FICO?

[Insaniak]

Im at about 650 FICO score now. I have about 1 year of total credit. 6 Credit cards totaling 7k, balance total is around 500. I have an auto loan, at 23k, and student loans as well at 4k. Also have in the last 2 years 50 hard inqs... I know this is bad. Most where all from last year. Im trying to figure out the best route I should take to get my FICO score up. Never been late or missed a payment. Ive never had any negatives.

[Shogun]

In a word?   Time!

Garden what you have and keep your util down.  That's about it.

[Insaniak]

Alright so pretty much, all I can do is wait?

[mongstradamus]

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@Insaniak wrote:

Alright so pretty much, all I can do is wait?

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yes pretty much garden what you have now, and make sure you pay everything on time. 

[DevotionToU]

On time payments and not having a high utilization will be the best thing.  As mentioned above, time is a very important factor in the credit game.  The companies want to see lengthy periods of responsible use of credit.  That is what will build your score the best.

[navistar]

$500 balance is probably a bit high.

Edit: As others said, time to stop applying for credit and just let what you have age. When your cards get a little older, they will probably allow you some credit line increase which is very helpful to credit as well.

[DevotionToU]

$500 balance on a total limit of $7k isn't bad.  It meets the 10% threshold.  The important thing is just to keep using the cards and not missing payments.