Working towards 800.

[Anonymous]

I think the only thing holding me back is the age of my accounts. How long did it take you to break 800? I'm hovering around 710-720 across all three scores. I guess my student loans aren't helping me either in this department. lol 

[Anonymous]

I'm at 750s with my average at 1.8 years(about to go down with my new chase sapphire reserve going to report soon). Oldest account is 6 years. Highest was 761 with 2% utilization. I just did the alliant secured loan since I have no open installment loan to try and get closer to 800.

[Anonymous]

After all of the following occur, you may well be over 800:

     AAoA crosses 2.0

     Alliant loan reports with < 9% installment util

     All cards at Zero Except One (AZEO) with the remain card showing a small positive balance

Those should all be within arms reach by this summer.  If not, just allow a few inquiries to turn greater than 1 year old.

[sarge12]

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@Anonymous wrote:

I think the only thing holding me back is the age of my accounts. How long did it take you to break 800? I'm hovering around 710-720 across all three scores. I guess my student loans aren't helping me either in this department. lol 

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Good luck on achieving that goal...but I just want to let you know, there will not be a parade when you cross 800...mine has been there a long time. Have not had a parade yet, although I sometimes feel there should be one if I move up 10 more points. After I went a little above 800 the score stuck there forever.