@vicky3vicky wrote:my fico 8 score is 668. 2 points from "good." I am not looking for a credit card, or a car loan. I am thinking that this is my "forever" home. I am old with a low ss income. I always had good credit before my divorce. I have no reason to want a good score other than the fact that I want it. I am 2 points shy of 670. My collections will have been paid off for 2 years next month.[ no idea if that will give me a point or 2] AAOA is 8 years. AoYA is 7 months. I have been keeping everything under 8% every month and PIF. In May I will be 65 years old. I am hoping to have a 670 score [or above] by my birthday. According to my fico 9, I am at a 780, but that score desn't really mean anything. do you think that as long as I stay under 8% a month that I can reach 670 on my birthday?
1. It's not your "forever" home; as time goes by, if nothing negative happens, your scores go up and up.
2. You are not old.
3. Your income has nothing to do with your credit score.
4. When your collections go off of your reports, your scores will skyrocket.
5. If you want to have a higher score right away, try paying some of your cards off before the statements cut, so that they report a zero balance.
6. FICO 9 of 780 is excellent, and you are wrong about it not mattering. A significant number of lenders are using FICO 9.
