@Anonymous wrote:Looking for suggestions on how to boost my score to 850.
Current Fico 8 / 9 score is around 800
9 open accounts
Average account age is about 10 years
Total utilization about 2-5%
No recent inquires, no late payments, and no loans.
My primary card sometimes reaches 20-30% utilization, but my other accounts never go above 1%. In general, I try to pay off my primary card before the balance is reported on the statement. Is this okay, or do I need to handle this differently?
I recently signed a car lease, it hasn't shown up on my account yet, but I'm hoping it'll remove the warning reported on my Chase credit score page: "Not enough recent installment loan information"
Is there anything I can do to push my score to 850? I'm out of ideas.
Thanks
You're doing fine, I wouldn't sweat it.
I'm sorry to burst your bubble on the car lease, but initially, in the short term, it will hurt rather than help your FICO 8 score. Once you've gotten to a point of having paid off all but 9% or so of the original amount, your FICO 8 score will be flying high -- all other things being equal.
