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asmilepro1

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how can i get a score of 850?
I have a 809 combined score, 14% UTILIZATION, and id like to get it closer to the max, what can i do? obviously i pay everything on time, what are the tweaks ?
thanks

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Getting closer to the max may be a gratifying way of "keeping score." Howerver, at 809, you have already reached the point where lenders are going to give you their best rates. Because the fine details of  the scoring criteria are so secret, nobody here really knows the answer to your question. However, it is known that the people with the very highest scores maintain a utilization rate of 7%, and a varied mix of credit types, including some paid accounts and some current.

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e02893

Make sure card utilization is not creeping up over the years.

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