My FICO's have not changed in 3 months!!

[jsk300]

I recently ordered my 3 FICO scores and they have not moved an inch in the past 3 months.  I have only 1 credit card active and utilize 9-10% of my limit then PIF every month, only after knowing the balance has been reported.  Why hasn't my score moved?  Do I need to have more cards active?  Am I tapped out at the highest I can go for each report because I only have 1 CC active?  I would like to get to the 700 club but seem to be running in place right now. 

TU - 672

EQ - 684

EX - 691

(All unchanged since 09/08).

[llecs]

If that CC balance remains in check, the only thing that would positively impact your score is an anniversary of a recent baddie (or removal of), the anniv. of your CC, or a whole number change in your AAoA.

IMO, you would benefit in the long-run (not short-term) by adding a store CC and/or another revolving. Is there anything that can be repaired?

[jsk300]

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@llecs wrote:

If that CC balance remains in check, the only thing that would positively impact your score is an anniversary of a recent baddie (or removal of), the anniv. of your CC, or a whole number change in your AAoA.

IMO, you would benefit in the long-run (not short-term) by adding a store CC and/or another revolving. Is there anything that can be repaired?

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What is AAoA?

I'm also still trying to get rid of Midland (been working on this for months).  They are reporting as a collection on TU, and open account on EQ.  They are suppedly due to fall off in 11/2009.

[llecs]

AAoA = avg. age of accounts (plays a big part in your score). If you look at your FICO report on page 2 or 3, it will list things that are helping or hurting. It will always display the AAoA as a whole number. If low now, then going from 1 to 2 or 2 to 3 will increase your score. Of course it changes 1x per year assuming nothing is added or removed.

MCM is tough I hear. I bet you'll see large gains with it removed.