@Manicete wrote:I know this topic has been touched a few times. Just posting for a more personal response.
Im trying to get to the 800 club and just. Wanted to share my credit report.
currently
eq 708
ex 716
tu 729
I have 7 credit cards that are not carrying a balance besides 1. And that one is under 28%
I have no mortgage loan, no car loan and 2 installment loans self/credit strong that are under 2 months old.
no late payments, no derogatories.
my credit age is at 3 years old.
I have 4 inquiries that are just hitting 7 months.
besides credit age, does anyone suggest anything I can do?
inquires need to age off, youngest account needs to age over 1 year, you can pay down the 28% down to a few dollars to get the maximum possible score, but otherwise, not much you can do other than:
you can replace the self loans with a SSL loan from Penfed or NFCU which allow you to pay them down to 8% while pushing back the due date, which gives you a large score benefit for having a nearly paid off installment loan. Your current utilization on installment loans is really high because they're new and you can't pay them down without nearly closing out the loan. getting a SSL from NFCU or Penfed lets you bypass that, get the benefit for a nearly paid off loan and you can keep the loan for the entire term
Welcome to the forums @Manicete
I would echo what @GZG said get your utilization down and just give it time, Your file is still pretty young, The 3 year credit history along with high utilization on the loans is pulling your scores down some but once you get more time in you will see a steady increase. It just takes time and patience
@Manicete wrote:I know this topic has been touched a few times. Just posting for a more personal response.
Im trying to get to the 800 club and just. Wanted to share my credit report.
currently
eq 708
ex 716
tu 729
I have 7 credit cards that are not carrying a balance besides 1. And that one is under 28%
I have no mortgage loan, no car loan and 2 installment loans self/credit strong that are under 2 months old.
no late payments, no derogatories.
my credit age is at 3 years old.
I have 4 inquiries that are just hitting 7 months.
besides credit age, does anyone suggest anything I can do?
You could pay down your installment loans.
