@Anonymous wrote:My AooA is 10Y 4 Months and my AoYA is several weeks as I just opened a new card but prior to that 1Y 8 months.
I currently have 2 installment accounts that are my house and (1) vehicle.
I'm pulling my scores from credit karma.
When was the last time you pulled a FICO from a reputable source? ie NOT Credit Karma.
Credit Karma gives you useless Vantage Scores that nobody uses and is at best good for keeping track of trends. Definitely get your FICO scores from somewhere -- your banks may even offer one for free depending on who you're with.
Cheapest way to get all 3 FICO scores in one shot is to sign up for the $1 CreditCheckTotal trial. Just remember to cancel your membership within 7 days so you don't get charged the montly $29.95 membership fee.
@Anonymous wrote:My AooA is 10Y 4 Months and my AoYA is several weeks as I just opened a new card but prior to that 1Y 8 months.
I currently have 2 installment accounts that are my house and (1) vehicle.
I'm pulling my scores from credit karma.
Easy.
1. Stop applying for things.
2. Pay your installment accounts down but not to zero, preferably paying vehicle loan down to 9%
3. Maintain your revolving account statement balances at all zero but one, with the one small.
4. Stop paying attention to your Vantage scores, which are meaningless.
OP, some additional questions;
What is the age of your mortgage and principal remaining vs beginning balance?
Same for the auto loan, current bal vs starting and age.
How many credit cards?
How many of them report a balance?
Is at least one card reporting an actual statement balance consistently?
Just to confirm, you have no, none, never any lates, correct?
