Is it possible to get a credit score above 700 without a house/car etc? - GoFuckYourself.com

wedouglas · 03-15-2006, 05:34 PM

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?

detoxed · 03-15-2006, 05:35 PM

Man i am an expert at credit, if you ICQ me with details I can tell you what will raise your score

PenetratinP · 03-15-2006, 06:27 PM

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.

Pornwolf · 03-15-2006, 06:41 PM

Sure, you don't need a house or a car for a 700. Just a good credit history.

Napolean · 03-15-2006, 06:50 PM

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

tony286 · 03-15-2006, 08:21 PM

my sister s is 758 no house she rents

minusonebit · 03-15-2006, 09:05 PM

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.

03-15-2006, 05:34 PM	#1
wedouglas So Fucking Banned Join Date: Aug 2004 Location: Dearborn, MI Posts: 5,921	Is it possible to get a credit score above 700 without a house/car etc? 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?

03-15-2006, 06:41 PM	#4
Pornwolf Drunk and Unruly Join Date: Jan 2002 Location: Hollywood Posts: 22,712	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.

03-15-2006, 06:50 PM	#5
Napolean Old school Industry Role: Join Date: Nov 2002 Location: Kettering, OH Posts: 4,327	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 __________________ Need a programmer? (Desktop/Web Applications) --- Skype: napoleande

03-15-2006, 05:35 PM	#2
detoxed vip member Join Date: Jan 2003 Posts: 17,798	Man i am an expert at credit, if you ICQ me with details I can tell you what will raise your score

03-15-2006, 06:27 PM	#3
PenetratinP Confirmed User Industry Role: Join Date: Aug 2002 Posts: 2,689	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.

03-15-2006, 08:21 PM	#6
tony286 lurker Industry Role: Join Date: Aug 2002 Location: atlanta Posts: 57,021	my sister s is 758 no house she rents

03-15-2006, 09:05 PM	#7
minusonebit So Fucking Banned Join Date: Feb 2006 Location: [email protected] Posts: 7,391	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.