6 months with zero balances

[newhomeowner1979]

I have paid off all my collections. Currently I have five credit cards with no missed payments. I am trying to raise my score 100 points in 6 months. Can I raise it that fast by keeping my credit cards at a zero balance for 6 months?

[AllZero]

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@newhomeowner1979 wrote:

I have paid off all my collections. Currently I have five credit cards with no missed payments. I am trying to raise my score 100 points in 6 months. Can I raise it that fast by keeping my credit cards at a zero balance for 6 months?

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What scoring model is important to you, FICO 8s or mortgage scores?

You'll want to report at least $10-$99 on one  major bank card and not a store or charge card.

Do you have any other derogatory or delinquency that is suppressing your scores?

[SouthJamaica]

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@newhomeowner1979 wrote:

I have paid off all my collections. Currently I have five credit cards with no missed payments. I am trying to raise my score 100 points in 6 months. Can I raise it that fast by keeping my credit cards at a zero balance for 6 months?

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No you probably can't. 

But if you want to optimize your revolving utilization scoring factors, follow @AllZero 's good advice, and let all but one of your cards report a zero balance while one card reports a small balance each month before you pay it off.

[babygirl1256]

newhomeowner1979 ~ I raised my score 78 points in 1 month by having the one and only adverse item deleted early from my Experian report . . . So I won't say you can raise it in 6 months by keeping your credit cards at a zero balance -and- I won't say that you can't raise your score 100 points in 6 months -but- I believe a large factor is what other items are on your report -and/or- whether they can be deleted. 

• You stated that you have paid off all your collections.
• Were your collections PFD (Pay For Delete) -or- are they still on your report?
• You currently have five credit cards with no missed payments -but- what else is on your file?

Wishing you success in raising your score as close to 100 as you can ~ within 6 months!!!