Is my EX score maxed out for now?

[IWOL]

I ordered an updated copy of my EX report on here today and it shows my score at 712.

My util hit 7% today and the previous report had it at 13%. I only got a 1 point score bump for that difference.

The only negative factors on my report right now are:

22 Open CC and 8 are reporting a balance....not sure what getting only 1 to report a balance would do to score but my guess would be maybe 10 points?

It shows I have 10 new accounts opened in the last year. Im guessing that fact is costing me quite a few points. In 4 months that number will drop to 4 new in teh last year.

My AAoA i showing at 3.1 years. I shoudl get a bump to around 3.5 when my new backdated Amex hits.

I have no nagative items on my report. Im a liitle surpised that my score is not higher than where it is now. Not much else I can do now but add time and continue to make payments and keep util low.

I guess getting form 700 to 800 is probabbly much slower and more difficult then 585 to 700.

[jamie123]

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@IWOL wrote:

I ordered an updated copy of my EX report on here today and it shows my score at 712.

My util hit 7% today and the previous report had it at 13%. I only got a 1 point score bump for that difference.

The only negative factors on my report right now are:

22 Open CC and 8 are reporting a balance....not sure what getting only 1 to report a balance would do to score but my guess would be maybe 10 points?

It shows I have 10 new accounts opened in the last year. Im guessing that fact is costing me quite a few points. In 4 months that number will drop to 4 new in teh last year.

My AAoA i showing at 3.1 years. I shoudl get a bump to around 3.5 when my new backdated Amex hits.

I have no nagative items on my report. Im a liitle surpised that my score is not higher than where it is now. Not much else I can do now but add time and continue to make payments and keep util low.

I guess getting form 700 to 800 is probabbly much slower and more difficult then 585 to 700.

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I get nicked 3 or 4 points for every credit card more than 1 that reports a balance. Of course I only have 7 open credit cards so YMMV.

[MarineVietVet]

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@IWOL wrote:

I ordered an updated copy of my EX report on here today and it shows my score at 712.

My util hit 7% today and the previous report had it at 13%. I only got a 1 point score bump for that difference.

The only negative factors on my report right now are:

22 Open CC and 8 are reporting a balance....not sure what getting only 1 to report a balance would do to score but my guess would be maybe 10 points?

It shows I have 10 new accounts opened in the last year. Im guessing that fact is costing me quite a few points. In 4 months that number will drop to 4 new in teh last year.

My AAoA i showing at 3.1 years. I shoudl get a bump to around 3.5 when my new backdated Amex hits.

I have no nagative items on my report. Im a liitle surpised that my score is not higher than where it is now. Not much else I can do now but add time and continue to make payments and keep util low.

I guess getting form 700 to 800 is probabbly much slower and more difficult then 585 to 700.

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FICO rounds down AAoA so both of these will be scored as 3 years.

Just relax for awhile and let everything age.

[Anonymous]

Number of accounts with balances is playing a factor here... Although with that many accounts and balances it would be impossible for anyone to speculate what it would do to your scores. The lower the AAoA the more impact it will have.