Is it possible to get to 740 with a 7 year old BK showing on report

[tbenz6876]

Okay I am trying to buy a house and I want my score to be 740 so I get the best rate. All my credit cards are paid off. Just paid them off about a month ago. I have an auto loan $79k that has never been late, and student loans that have never been late.  But I seem to be stuck at the 700-710 mark.

What can I do to boost it to the 740 I need.

 Any suggestions. Opening a new CC didnt not help. I even ran it to about 75% waited a month and paid it back down to 10%.

[AutoBot]

How many open cards do you have reporting? What is your timeframe for buying a home?

[tbenz6876]

I currently have the following

United Explorer - $5k CL - Opened  Last Year

United Club - $35k CL - Opened 2012

Capital One - 1250 CL - Open 2010

Capital One $550 CL - Open 2010

Sallie Mae - #k CL - Opened Last Year

MCCU - $7500 CL - Open 2012

Auto Loan Opened in 2013 

We are looking to close the end of November

[AutoBot]

You mentioned you paid off all your cards a month ago. Did that have any change with your FICO?

[grillandwinemaster]

Like Autobot asked, how many open cc lines do you have? Allow ALL except one to report a zero balance. Allow the one to report a small balance 1-3%. DO NOT open any more cc's, your working against yourself! 

[tbenz6876]

I have 6 open CC showing, and they are showing with a small balance on all of them $50 or less.

I do not plan on opening any credit lines for anything until after we close.

[Anonymous]

Curious what car you bought for $79k? Must be awesome.

[AutoBot]

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@tbenz6876 wrote:

I have 6 open CC showing, and they are showing with a small balance on all of them $50 or less.

I do not plan on opening any credit lines for anything until after we close.

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You may want to have 5 of those cards report a balance of $0 and then see if that does anything for your score.

[tbenz6876]

That is the remainign balance.

Its a 2014 C63 Edition 507 Coupe Black/Black with a full WeisTec upgrade

[tbenz6876]

Okay I will get 5 of them to a 0 balance and see what happens. Most of the balances are from the interest after paying them off.