Stuck at 760

[folks19]

My score (EX via their app) has been stuck at 760 for a few months,  and I'm wondering what can make my score go up? I know 760 if enough to qualify for the best rates, but I'm still curious (and I want to brag about my 800 when I get there...).

AoOA = 2 years 5 months, AAoA = 11 months.

~20 new accounts and 16 INQs in the past year.

Util = 3%.

SSL paid down to ~5%.

[Remedios]

Easiest and only way, stop applying. 

[OmarGB9]

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@Remedios wrote:

Easiest and only way, stop applying. 

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This. And just continue to pay on time, and let your file age. You'll slowly go up.

[Feisarr]

Once your AAoA hits 12-13 mo you should see a bump. Watch for bumps at 6mo increments on AAoA. Since you already have SSL at below 5% there really isn't much more you can do than garden and AZEO.

[Hotcoals91]

The missing ingredient is time. Your basically a noob to credit 

[SouthJamaica]

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@folks19 wrote:

My score (EX via their app) has been stuck at 760 for a few months,  and I'm wondering what can make my score go up? I know 760 if enough to qualify for the best rates, but I'm still curious (and I want to brag about my 800 when I get there...).

AoOA = 2 years 5 months, AAoA = 11 months.

~20 new accounts and 16 INQs in the past year.

Util = 3%.

SSL paid down to ~5%.

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If you wait until it's 12 months since your last new account was added, you'll get a nice score bump.

You're not "stuck" at 760, you're sticking yourself there.

[expatCanuck]

@folks19 

The number of new accounts and INQs are over the top.

'Just' 6 INQs with 3 recent new accounts (2 cards and a refi) was enough to drag my EX score below 800, even with a thick, clean file.

[folks19]

I see everyone are suggesting to graden, and that is what I decided to do a few months ago. I have seen my score go up some times, but then I stopped. I'll continue gardening.