Credit Advice

Have the right mix of credit i.e. maybe 3 credit cards with a mortgage and auto loan, 0 balances on the revolving credit, no inquiries, and an aged credit report. If you have everything above it will eventually go up over time.

797 is a Execellent score. Wanna take it further higher, I guess you can use a ladder. lol :-)

Another legal trick you can use to boost up your credit score is to go to someone you know with good credit like you or better and ask to pay them some money to add you to one or more of their credit card accounts. Doing that will automatically increase your credit score.

I added my wife to 3 of my credit cards and her score shot up past mine in 30 days.

Make sure the person has a history like you or better. It may be worth it to pay around $50 - $100 per year per account for this credit increase service without the paperwork and credit checks.

Keep in mind that you should not expect the person to give you access to their credit accounts. You're just an authorized user that doesn't have access to the accounts.

Credit scores are logarithmic so it actually goes get harder and harder to go up. Kind of pointless to work on making it any higher than your current score.

showoff

Cool, I guess I'm OK with 797 for now