Data points & Fico 2,4,5 advice

[tgwells]

How fast can I get my fico 2,4,5 from 706 to 760?

As a quick background 12 months ago my fico 8's were all below 600, I currently sit at 701equ, 778 trans, 703 exp.  I have one last writeoff that will drop off in July on equifax and eperian, it dropped early on transunion, hense the score disparity.  I was surprised two months ago when the first of two writeoffs came off and my score didn't move, when the last writeoff came of my transunion making it totally clean it went up about 75 points.   

I have opened lots of credit over the past 12 months, first to rebuild my credit and than to borrow because I could.  To better frame my question my accounts opened in the past 12 months are as follows:

capital one credit card - one year old yesterday 

secured loan 14m term opened 4.1.19 (to build credit, first instalment account)

truck loan opened 4.5.19 - co-borrower with my girlfriend 

Discover credit card opened 4.30.19 - started secured, now regular

capital one business spark opened 5.21.19

AMEX cash opened 8.15.19

Mortgage loan opened 10.15.19 co-borrower with my girlfriend 

AMEX business Gold opened 12.1.19

average age of account 3.2 years

oldest account (closed 14 years)

oldest open account 1 year

I'm looking for advice on how fast I can get my fico 2,4,5 above 760 to refinance.  When we closed on our house my middle fico was just under 700, it now sits at 706.  I would like to refi with rates lower and go in with the highest tier of mortgage score, above 760.  

I have been practicing AZEO and kept my utilization under 9%.

I haven't had an inquery in 6 months.  How will my mortgage fico act as hard inqueries fall off?

My secured loan will hit one year next month, I think this should help as well.  

I don't plan on taking out any credit until I refi.

If I don't think I can get to 760 by this fall I will just refi now.

Any thoughts and advice would be very helpful.

[donkort]

This is probably "obvious" advice.

I feel like you should compare your TransUnion report, account by account, with the other two report.  Find out why Experian and Equifax are about 75 points lower than TransUnion.

I think you mentioned that you had a "clean" file with TransUnion. What makes the other two "dirty?"  

[tgwells]

Even with my Transunion account being clean and the other two dirty my fico 2,4,5 are 685, 720, 707.  There isn't much space between them.

[donkort]

That is pretty freaky-----such a difference in TransUnion scores with the same aspects of things.

[Revelate]

Improvements for you is sitting on your hands and letting that negative fall off and not opening anything else.

Not sure about 760 but 740?  Seems hittable.  

I'd wait in your shoes, you also have the 6 month primary residence issue too so you are waiting for around another month regardless.

[tgwells]

The negative isn't holding my fico 2,4,5 down much, maybe 10 points.  The age of my open accounts, inquires and new accounts in the past 12 months is.  What I'm trying to detirmine is with inquires falling off and getting to zero new accounts in the past year will increase my fico 2,4,5 from the low 700s to over 760.

[donkort]

Getting rid of the negative would be a sure-fire way of getting your score up to the level you want it to get to.

I don't sense that gradual aging of accounts, and inquiries falling off the reports, will increase the score to the point where you get to 760.

Like others are saying, 740 might be reachable.

[tgwells]

Once the negatives fall off my fico 8s will be in great shape, high 700s.  

If aging won't get me there what is the magic sauce to getting my fico 2,4,5 above 760?

[Revelate]

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@tgwells wrote:

The negative isn't holding my fico 2,4,5 down much, maybe 10 points.  The age of my open accounts, inquires and new accounts in the past 12 months is.  What I'm trying to detirmine is with inquires falling off and getting to zero new accounts in the past year will increase my fico 2,4,5 from the low 700s to over 760.

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That is unlikely, patently, if that's your only real negative.

10 points is one of a few negatives coming off: post your reason codes for TU FICO 4

[donkort]

Maybe I'm not observant----but what is actually the "negative?"  Is it the youth of your accounts, plus the inquiries?