cancel
Showing results for 
Search instead for 
Did you mean: 

what to do to make it to 750-800

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Member

what to do to make it to 750-800

Any insights to grow my score from the current 717 eq/176 tu/706 ex to around the 750-800 mark? 

right around 10 inq TU, 14 EQ, 16 EX

somewhere in that area, multiple were done within the same day for a new car bought in October 

 

It does not seem like I am too far away. 

 

Cards look like this:

 

CardOutstanding BalanceCredit Line
American Express Premier Rewards Gold CardALWAYS PAY IN FULLNPSL
American Express Blue Cash Everyday$0.00$500.00
American Express Gold Delta SkyMiles 0.00$4,100.00
US Airways MasterCard by Barclays Bank$0.00$10,000.00
Bank of America Cash Rewards Signature Visa$0.00$5,000.00
Discover Card$0.00$3,400.00
Chase Sapphire Visa Signature$0.00$10,000.00
Chase Southwest Premier Visa Signature 0.00$5,000.00
Chase Marriott Rewards Premier Visa Signature 0.00$5,000.00
Citi Dividend MasterCard$5,187.11$8,700.00
Best Buy store card$0.00$1,400.00
Macy's store card$0.00$2,900.00
EQ 727/TU 724/EX 716 myFICO 4/3/2016

Amex PRG NPSL/BoFA Cash Rewards Visa Signature 21k/Capital One Quicksilver VS 21k/Chase Sapphire 20k/Amex Gold Delta 12.3k/Discover It 11.9k/Citi ThankYou Preferred WMC 10.1k/American Airlines Silver WEMC 10k/Best Buy store card 10k/Macy's store card 10k/JCP store card 10k/Chase Marriott Premier VS 6.5k
Message 1 of 45
44 REPLIES 44
Valued Contributor

Re: what to do to make it to 750-800

Let the inquiries fall off, and a bit of time....or pay the dividend card down to less than 800 bucks. certainly a boost at less than 4350, another if under 2800 or so, and max scoring at around 700.

I've got some cards, got my house and got some scores with a 7 in front. Now what? Oh yea, live some of that life stuff.
Message 2 of 45
Frequent Contributor

Re: what to do to make it to 750-800

like pfarro said, lowering your util % and waiting for those inq to go will boost your scores a bit.

Best Buy $3600 Freedom $3500 BCE $7000 CSP $5000 CFU $2500
FICO EXP 755
Message 3 of 45
Senior Contributor

Re: what to do to make it to 750-800

The suggested approach will work if your files are clean; no baddies depressing your scores.

Message 4 of 45
Valued Contributor

Re: what to do to make it to 750-800

I hope i see a score bump when my lower my cards down. 

Message 5 of 45
Valued Contributor

Re: what to do to make it to 750-800


@RyGuy4690 wrote:

Any insights to grow my score from the current 717 eq/176 tu/706 ex to around the 750-800 mark? 

right around 10 inq TU, 14 EQ, 16 EX

somewhere in that area, multiple were done within the same day for a new car bought in October 

 

It does not seem like I am too far away. 

 

Cards look like this:

 

CardOutstanding BalanceCredit Line
American Express Premier Rewards Gold CardALWAYS PAY IN FULLNPSL
American Express Blue Cash Everyday$0.00$500.00
American Express Gold Delta SkyMiles 0.00$4,100.00
US Airways MasterCard by Barclays Bank$0.00$10,000.00
Bank of America Cash Rewards Signature Visa$0.00$5,000.00
Discover Card$0.00$3,400.00
Chase Sapphire Visa Signature$0.00$10,000.00
Chase Southwest Premier Visa Signature 0.00$5,000.00
Chase Marriott Rewards Premier Visa Signature 0.00$5,000.00
Citi Dividend MasterCard$5,187.11$8,700.00
Best Buy store card$0.00$1,400.00
Macy's store card$0.00$2,900.00

Any baddies or installment loans?

"I am become death, the destroyer of worlds"
Message 6 of 45
Super Contributor

Re: what to do to make it to 750-800


@tonyjones wrote:

@RyGuy4690 wrote:

Any insights to grow my score from the current 717 eq/176 tu/706 ex to around the 750-800 mark? 

right around 10 inq TU, 14 EQ, 16 EX

somewhere in that area, multiple were done within the same day for a new car bought in October 

 

It does not seem like I am too far away. 

 

Cards look like this:

 

CardOutstanding BalanceCredit Line
American Express Premier Rewards Gold CardALWAYS PAY IN FULLNPSL
American Express Blue Cash Everyday$0.00$500.00
American Express Gold Delta SkyMiles 0.00$4,100.00
US Airways MasterCard by Barclays Bank$0.00$10,000.00
Bank of America Cash Rewards Signature Visa$0.00$5,000.00
Discover Card$0.00$3,400.00
Chase Sapphire Visa Signature$0.00$10,000.00
Chase Southwest Premier Visa Signature 0.00$5,000.00
Chase Marriott Rewards Premier Visa Signature 0.00$5,000.00
Citi Dividend MasterCard$5,187.11$8,700.00
Best Buy store card$0.00$1,400.00
Macy's store card$0.00$2,900.00

Any baddies or installment loans?


I think you just have to give it time, an thicker file will probably lead to higher scores. For right now just need to get AAOA up probably.



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 7 of 45
Established Contributor

Re: what to do to make it to 750-800

How long before the  inquires start dropping off? 

EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900
Message 8 of 45
Regular Contributor

Re: what to do to make it to 750-800

as far as I know, inqs lose their weight / hit on score after 6 mo of receiving them. they don't drop off the report entirely until 1 yr. 

FICOs: TU 775 | EQ 784 | EX 773
Amex BCE $15,000 | Discover IT $11,600 | Chase Freedom $7,000 (Visa Sig) | Citi DoubleCash $6,000 (WEMC) | Chase AARP $6,000 | Barclaycard CashForward $4,000 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750
Message 9 of 45
Senior Contributor

Re: what to do to make it to 750-800

If you have perfect payment history, no baddies I would think time will get you there.  With my tests having 1 card maxed out (when Discover was at 2,5K limit) and overall util of less than 10% it did not change much for my Fico EQ score (like 10 points or so) for paying down that Discover to 200$  (less than 10%)  I was on  a big experimenting mission last year to challenge Score Watch and with the old system overal util was way more important than the maxed out card. Also what killed my score was the number of accounts reporting balances. I did a test with 8 accounts and let 1$ report on 7 accounts..lol.. You would not believe but I lost 40 points. Thank good the new model now does not care much and I can let all my accounts report balances and not more than 5-10 points are lost as long as overall util is less than 10% .. I like that so much better  and it does also make more sense to me.

Message 10 of 45
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.