I can't seem to tip it over the 700 mark. Was there once, but its lagging again. I never miss a payment, I spend way more than the limit and pay it down several times each month, constantly paying it off. Is the lack of owning a house/car keeping me out of that range?
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Man i am an expert at credit, if you ICQ me with details I can tell you what will raise your score -
I thought this paragraph might help you.
"What many people don?t know is that credit scores don?t distinguish between those who carry a balance on their cards and those who don?t. So charging less can also improve your score -- even if you pay off your credit cards each month."
From - http://moneycentral.msn.com/content/...ing/P38052.asp
So it sounds like you should use your credit cards less and just carry a small balance. To the credit reporting agencies it might look like you're always carrying a large balance which really hurts your score.Comment
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Sure, you don't need a house or a car for a 700. Just a good credit history.I've trusted my sites to them for over a decade...
Webair, bitches.Comment
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I had 726 on all 3 bureau's with no house or car, just a revolving credit card.. no balance on it for a year straight
but... since I had no history, my 726 score was about as good as a 200
HAH! FOUND IT FRISComment
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my sister s is 758 no house she rentsComment
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I dont think they like alot of cards open with no balance. What they like to see is you using 5% to 20% of the avaliable credit I do belive.Comment
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