Need growing 20-30 points

[Zig32]

Need help/advice raising my score 20-30 points . I've been a little stagnant the past 2-3 months . Currently these are my balances 

sapphire - 2100/16,600

boundless 0/ 17200

navy Amex - 71.00/9000

amex hilton- 1151/20000

navy platinum - 0.00/9000

cap 1 - 2516/ 16000

cap 1 - 0/5000

citi- 0/27500

amex - 0/33000

not sure what I can do to jump some points 

[FireMedic1]

Pay all your cards down to $0 balance and leave one report less than 8%. Or AZEO as we say. Now 20-30 pts may be a stretch even then. Your aggregate util isnt that high. Any baddies or open loans presently?

[Zig32]

I have a car loan , 26000 left on it . Only baddie is 3 late payments in 2015.

[FireMedic1]

Well the lates you can ask for EE 6 months early with TU. EQ and now EX is 1 month early its been reported. The loan wont gain any points until under 8.99%. It will be close with AZEO. Could reach maybe +/- 20 pts. 30 not so much.

[SouthJamaica]

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@Zig32 wrote:

Need help/advice raising my score 20-30 points . I've been a little stagnant the past 2-3 months . Currently these are my balances 

sapphire - 2100/16,600

boundless 0/ 17200

navy Amex - 71.00/9000

amex hilton- 1151/20000

navy platinum - 0.00/9000

cap 1 - 2516/ 16000

cap 1 - 0/5000

citi- 0/27500

amex - 0/33000

not sure what I can do to jump some points 

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You're pretty much optimized in revolving utilization, but you can probably pick up some points in your mortgage scores by moving to AZEO... having all but one of the accounts report zero balances.

[SouthJamaica]

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@Zig32 wrote:

I have a car loan , 26000 left on it . Only baddie is 3 late payments in 2015.

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Your lates are pretty old; maybe if you write verification letters to the bureaus, you can get them dropped.

[GApeachy]

@Zig32 any chance you could increase your overall available credit and age by becoming an AU on some trustworthy cards with great pymt history/long history and low utl?  (Probably focusing on cc's and not necessarily sc's unless they are dual cards...but some sc's with really high cl's are not the kiss of death.)

Just a thought.... might gain pts. quickly that way.

[pakratus]

AZEO is the way...

But for you or others who may be looking for more incremental changes that might have an effect-

Pay down the two accounts with more than 10% utilization, get them under 10%

Pay off the Navy card (lowest balance, easier to do).  This will bring down the 'number of accounts with balance'.  

I can't speculate on how many points these might give you, but doing these easy steps could be the boost you're looking for.

[Zig32]

Thank you . What's an EE?

[Zig32]

Thanks I think that's what I'll do