As you can see in my signature line, I am fairly close to the 800 club. 
I have no idea what else I can do to bump these babies up. Any suggestions?
Equifax said the only negative thing affecting my score is a late payment 5 years, 8 months ago. 
Transunion said the only negative thing affecting my score is average age of accounts which is 7 years (my oldest account was opened over 11 years ago).
I currently only use 1% of my total CL and I pay my CC in full each month. I have not applied for any new credit in the past 2 years. I don't have a mortgage or any car payments.
@ncscgirl2005 wrote:As you can see in my signature line, I am fairly close to the 800 club.
I have no idea what else I can do to bump these babies up. Any suggestions?
Equifax said the only negative thing affecting my score is a late payment 5 years, 8 months ago.
Transunion said the only negative thing affecting my score is average age of accounts which is 7 years (my oldest account was opened over 11 years ago).
I currently only use 1% of my total CL and I pay my CC in full each month. I have not applied for any new credit in the past 2 years. I don't have a mortgage or any car payments.
Congrats on your scores. As your score gets higher the nitpicking really begins and for the most part can simply be ignored. I see a couple of things that might make a difference. When that last late payment finally goes away at the 7 year mark (it could go away sooner) that might help a little and if you only have revolving accounts you might see a small ding because FICO likes to see a mix of credit. However that mix is only 10% of your total score but might put you into 800 territory. But I would never go into debt just for a few FICO points.
You're doing just fine. Just relax and let everything age. A score of 760+ is considered a FICO High Achiever so anything above that is just for bragging rights.
From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772
You can do the same thing with hard work
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@ncscgirl2005 wrote:Thank you.
EEK! I have like 17 accounts reporting on my CR (I went a little crazy opening accts back in my early 20s). I have primarily been using only one CC since I paid off my CC debt earlier this year.
Two of them are from auto loans that have been paid off since 2005 and 2006 and the rest are CCs (some store cards).
I have 36. I forget whether it was EQ or TU that told me I have "too many accounts". But I don't care.
You need to get going to catch me.
smallfry wrote: Hey for giggles and maybe a bit more insight why not pull a myFICO12 and get the other 3 negatives holding you back?
That's a truly twisted form of entertainment!
ncsc - just to clarify, I'm a huge fan of myfic.com/12. It's just a jolt to the system to see four neg's and 0 positive factors - which is what you'll see there. Make sure you have a slurpee or something to cool you down after you've pulled. They're the same four reason codes your lenders would see. The info is invaluable, though. And smallfry is right, it might give you a little insight into what may be holding you back.
I still haven't been able to laugh about the first time I pulled mine, though. Maybe in about two years. 
I've got to agree to MVV - you're good. Exhale. Party! If you can't and feel like you have to attack it, pull the /12. It'll be invigorating, if nothing else.