How do I get my score up

[Anonymous]

I have incredible amounts of credit level...Amex, Discover, Capital One...etc...I can and have them all and show not a single late payment....why is my score only 700

[llecs]

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

How is your CC utilization on each CC? High? Low? For max points, you'd want all but one to report $0 with the remaining CC reporting a balance of under 9%. I've had my utilization as low as 20% and have been dinged due to being too high. Credit limits don't help your FICO score. What helps is keeping the balances low on those cards in relation to the reported CL.

You mentioned you don't have any late payments on those cards, but do you have any collections reporting?

Did you recently open any new accounts (within the past 6 months)?

[MarineVietVet]

I can't add much to what llecs told you. Utilization is 30% of your total score so it's very important to keep it low.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[RobertEG]

FICO does not score you on your CLs.

Just on your % util of those limits.