How do I get over 800?

[AllZero]

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@Anonymous wrote:

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@AllZero wrote:
How many of the 9 cards are reporting a balance?
6
What is the individual utilization % that is reporting a balance?
at most 4-5%, majority are small recurring bills and subscription
What is the age of your youngest account?
6y/o
What is the source of your score? Are they FICO?

They're from Credit Karma, Chase, Discover, Credit Union

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As Jnbmom noted, you are getting penalized for 50% or more of your accounts with a balance. Try AZEO.

Your aggregate utilization is good. 8.9% and under is prime. Your AoYA, AAoA and AoOA looks good too. That youngest is 6 years old, correct?

Once your reports shows it has been updated through CreditKarma, Chase, Discover, Credit Union, get your 3 Bureau FICO report at creditchecktotal.com (part of Experian) for $1. Cancel 7 days or earlier so you won't get charged the re-occuring fees. Pay attention to the negative reason codes. It can give you some insight on what is impacting your score.

Report back if you get close to 800.

[HeavenOhio]

You want to pay attention to FICO scores. Ignore the VantageScores provided by Credit Karma and Chase. But as suggested above, take advantage of their nice Transunion reports. Discover offers a FICO score, so you're good there. I woudn't know which score your credit union provides, but it's probably noted somewhere near the score.

You probably want to grab your AZEO scores (all zero except one). To do that, leave a small balance on one card (at least $5 but not much more) with the rest of your cards reporting zero. This will give you your best possible FICO scores.

[SouthJamaica]

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@Anonymous wrote:

I have 9 cards

110k limit

under 1% utilization

9 years length of credit (7 years avg)

2 inquiries (was 1)

no missed payments

8 prior installment loans all paid off, including 2 auto loans

I'm always getting 775-780 score. Can anyone help?

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You'll be at 800 soon.

To optimize your revolving utilization, make sure most accounts report a zero balance, and any others report a small balance.

[unc0mm0n1]

How would you get an installment loan without interest?

My Mazda CX-5 was an installment loan and I didn't pay any interest. I got it when Mazda had their 0% interest deal. 

[Anonymous]

Hate to break it to you, but the "interest" was included in your principal to make it 0%. It's all part of the negotiation for auto loan, as someone that used to sell cars, I would sell people "i could either give you the car for $x or give you 0% apr which would save you money over time." Majority of people with great credits would take the 0% APR which is literally more than if they had just taken the discount and we can bargain even more with our lender too, those are also the same people that will buy all the add ons because the monthly payment isn't that much. Thanks all, I'll look into secured loans or maybe into an installment for 0% phone purchase

[Anonymous]

As said before there is nothing to be gained after around a 770 fico. DW and I just recently got above 800 and we were not trying.  It was a matter of the stars being in perfect allignment.  We hung out in 740-770 range for what seemed lke forever.