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710, you're kidding me? Clean 25 year history, no lates, no cars, no derogs?
I don't understand why I have a 710 score, I have a clean 25 year history, no car loans, student loans, credit card utilization 5%, three mortgages paid on time? I am about to refinance and they are looking for 760 Scores.
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clipperskipp
1 year ago
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A car note would help. You don't say what the average age of tradelines are, nor do you say what your credit card limits are. If you have a bunch of low limit cards, this will drag your score down. do a myfico pull and see what your real score is before making changes.
julieforcier 1 year ago
Car loans can raise your credit score a lot.
flags6262 1 year ago
If thats your score here don't worry about it pull a FICO score the score here for me is 70 points lower than my FICO score FICO is the only score that matters.
dstnbrw20 1 year ago
Even FICO scores can vary by 50 points from bureau to bureau according to their site.
CK Moderator
Crazy that the response to this would be "go get car loan". This to me is a problem with credit reporting. You have to owe the man to get ahead.
robert0380 1 year ago
I have read that a car loan will increase your score, as will student and other loans. The average age of the tradelines is 10 years, available credit is $37,200 and are all paid in full now.
clipperskipp 1 year ago
let me change my response for the Moderator my closest fico score out of the 3 to credit karma's score was 70 points off
dstnbrw20 1 year ago