FICO score stuck at 780-790
How do you go beyond 780 credit score? i have been stuck at that score fpr last 1 year. Maintain very low balance, pay always on time and only 1 lease credit inquiry in last 2 years Are there any quick ways to increase? Store card (I dont have any)? Reduce avalialbe credit?
780 is already highest tier, what's the purpose of trying to shoot for more? The only big thing that can help is credit history, but unless you have a delorean there's no helping that.
Seriously, what’s the need for higher score? I’m genuinely curious if there is something or if credit score is another TC pissing contest
Get more credit. Pay off more debts in full. I have an 840 score and it didn’t happen over night.
I also have a 840. Have a mortgagee and two credit cards. I pay them in full monthly. Paid off my student loans several years ago.
Talk to your credit card companies and see if they can increase your credit limit. If they can, you will see a good spike.
Most likely it will add credit inquiries and drop credit score.
I am not saying to apply for a new credit card, Try to increase your credit limits on your existing credit cards.
To echo what others have said, there’s no real reason to shoot for higher than ~760 and you won’t add to a 780 score quickly. You’ll need a longer and ‘thicker’ credit file (inb4 puns!) to get into the 800s (i.e. additional lines of credit with multiple types of credit).
Graduated college last year and I've been stuck at 790+ but below 800 ever since I graduated
You need to get laid.
Look at your score report and see what factors are impacting your score... you may discover that you actually have 2 late payments in your history from a college utility company or something bullshit. Or you may see that your biggest negative currently is age of your oldest active credit card. There is no fast way to speed up time, so literally nothing you can do if that’s the case other than wait.
what do you gain by going higher? i am sure plenty of banks are happy to loan you money.
Increase available credit so your credit utilization rate goes down