Almost all of us are aware that lenders will use one of several FICO scoring models, but we do not know which one is being looked at. And sometimes they use more than one model. So instead of concentrating specifically on the model, do this instead. Regardless of which one, all scoring methods have one thing in common. That paying your bills on time, having low utilzation percentages (revolving & installment), & not opening accounts that are not needed to increase the average account age will give you more FICO points.
1. On your revolving accounts (credit cards)-leave a utilization percentage below 5% (optimal would be at 1%). If you have two or more cards, only have the small balance on one credit card. The rest need to be at a zero balance.
2. No more hard inquiries. Do not apply for any new credit.
3. If you have any existing hard inquiries on your credit report, make sure they either age past 12 months or are deleted after 2 years.
4. On installment loans (personal, auto, student)-bring the utilization balance down but do not payoff the loan. An open installment trade line with an open revolving trade line (both having small balances) will help give you the most optimal FICO scoring points.
5. Allow the average account age to increase which helps as well.
HERE IS AN EXCELLENT TOOL
https://www.myfico.com/fico-credit-score-estimator/estimator
