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Boost all three scores

Hellcatredeye21
New Member

Boost all three scores

Just looking for any tips to help me gain any points I can on Fico 8 my Experian is 761, Equifax 767 and transunion is 754. I Currently have 0% utl on my revolvers I heard if I leave a small balance on one I could gain a decent ammount of points, unless they count my american express plat which doesn't show a limit, Below I listed all my account ages. Only one Hard pull, No late payments or collections. No debt

 

1. 6 years 7 months

2. 5 years 12 months 

3. 4 years 11 months

4. 4 years 10 months.

5. 4 years 9 months 

6. 4 years 9 months 

7. 4 years 9 months.

8. 4 years 9 months ( closed )

9. 4 years 9 months ( closed )

10. 4 years 9 months ( closed )

11. 4 yers 9 months ( closed ) 

12.  4 years 9 months ( closed )

13. 3 years 5 months  

14. 3 years 3 months

15. Just opend this month/ not showing yet.

 

Message 1 of 8
7 REPLIES 7
grower1
Frequent Contributor

Re: Boost all three scores

Letting a small balance report on one card should boost your scores. I let $10 report on one card, while all others report $0. #AZEO




Message 2 of 8
kkboom
Frequent Contributor

Re: Boost all three scores

Your scores are good!  Do you have a goal score? It sounds like you're doing at least the most important things right...payment history, amount of debt isn't too high, your length of credit history may need to increase; also, credit mix is also a factor. Do you have any installment loans? I think you'll just have to keep doing what your doing and time will help improve your score.

Gardening until October 2021
Message 3 of 8
nwa479
Contributor

Re: Boost all three scores

Definitely leave a small balance reporting on one card.  You might gain anywhere from 15 to 25 points depending on other factors in your profile. 

Also look at your credit mix and other scoring segments and review the negative reason codes to see what might be affecting your scores. 

 


Starting Scores: 595 to 610 in Sept 2016
Current Scores: Fico8 EQ722 TU660 EX672 Fico9 EQ803 TU726 EX730 Mortgage Scores EQ660 TU648 EX660
Goal Score: Fico8s 750s Fico9s 800s Mortgage Scores above 680


Take the myFICO Fitness Challenge



Message 4 of 8
Hellcatredeye21
New Member

Re: Boost all three scores

I never had any car or house payments yet, the only thing on my report is all cards.

Message 5 of 8
Hellcatredeye21
New Member

Re: Boost all three scores

I would like to acheive 800 across all three on Fico 8.

Message 6 of 8
nwa479
Contributor

Re: Boost all three scores

To achieve 800 I would look closely at the components of the fico score and look at any negative reason codes.  Credit Mix would be 10% of your score, so you are losing some points here not having any installment loans.  

 

Check the form for SSL loans, which can help you build up the installment loan part of your score.  I am not that familiar with these, but I've seen some posts where loans are available that allow you to pay down to 9% remaining on the loan, which would maximize your installment loan score.  This would also improve your mix.  

 

Good luck.  You have a good profile and should be able to reach 800 with a few adjustments. 

 

 


Starting Scores: 595 to 610 in Sept 2016
Current Scores: Fico8 EQ722 TU660 EX672 Fico9 EQ803 TU726 EX730 Mortgage Scores EQ660 TU648 EX660
Goal Score: Fico8s 750s Fico9s 800s Mortgage Scores above 680


Take the myFICO Fitness Challenge



Message 7 of 8
Horseshoez
Established Contributor

Re: Boost all three scores

@nwa479, I was going to suggest the same thing, PenFed and Navy Fed both have SSLs available which allow prepayment which in turn pushes out the next due date months, or years as the case may be, into the future.

I categorically refuse to do AZEO!

Message 8 of 8
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