do you think this is what's keeping me below 700?

[Anonymous]

CCU $500 - $0
AmEx Hilton HHonors $1,000 - $0
Discover It $1,700 - $973
Chase Freedom $2,000 - $0
AmEx ED $2,000 - $245
WF Platinum $3,000 - $0
Cap1 QS $3,000 - $375
Cap1 QS $3,000 - not yet reporting
Barclaycard Sallie Mae $3,200 -$193
Amazon Prime $5,000 - $40?
Chase Marriott $5,000 - not reporting
Cap1 Venture $5,000 - not reporting
Kay Jewelers $5,300 - $0
NFCU Flagship $8,000 - $0
NFCU cashRewards $10,000 - $66
Lowes $12,000 - $0
Cap1 Venture $13,000 - $538


do you think reporting SO many cards (even though quite low balances) is keeping me below that 700 threshold? or would that probably not help it much?
EQ - 672
TU - 695
EX - 694

[pizza1]

You have 7 cards reporting a balance. FICO says the magic number is three , but we all know the real magic number for optimal fico scoring is ONE

[Anonymous]

AAoA? Baddies?

[Anonymous]

yes i do know that but i just didn't know if that is making a 6 point difference lol.

[Anonymous]

AAoA is crap. like just under 2 years. few baddies (which is the main reason for low scores)
3 thirty day late
1 sixty day
all over 2 years old now

[Anonymous]

One way to find out!

[NRB525]

How many INQ in the last 6 months? Last 12 months?

Are there any negatives in your file?

I have 20 of 23 cards reporting balances, utilization overall of about 10% now, highest individual card is 40% utilization, and scores from 748 to 768.

It is possible the number of cards reporting might be an issue, but I doubt it is significant. It just doesn't look like a lot of utilization. You can certainly try to coordinate several of them to go to zero on a statement and see what happens.

[pizza1]

---

@Anonymous wrote:
yes i do know that but i just didn't know if that is making a 6 point difference lol.

---

Only one way to find out.....Get rid of all the balances except for one card, and let that report 1%. 

[Anonymous]

umm 21 and 22 inquiries on equifax and experian all within a year almost (including car shopping) and 11 on TU. same time frame. i think i have one or two falling off this year that's it.

[gibeon]

My TU hit 707 this month when my real bad baddies fell off. Still have a bunch of Sallie Mae lates though.

I have about 20 cards reporting, just a couple reporting balances, but much larger balances than yours.

Maybe age and AAoA? Mine is still 4+ years, even with all the new cards.