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ZGBCsDad

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How can I raise my score from 710 to 740
I do not have much credit. I have a mortgage, and one credit card with a $2700 limit of which I utilize 0-1%. I recently paid off my student loans, and have not had a car note in a few years. My one credit card is about 8 months old, and my mortgage is 14 months old. I have one open medical collection for $105. Is there anything I can do to up my score at this point? I'm worried opening a new card will reduce my average length of accounts, therefore, actually hurting my score. Any advice would be much appreciated

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Top Contributor
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Find out out to pay off the item in collections and have it removed at the same time,   Pay for Delete,

You have Time on your hands,

Don't be worried , have a Plan on how you want it to work. 

my Average age of accounts is 4 ys, 4months now,   ( could be above 5 yrs, but opened 2 new lines of credit this year ) so I have to wait another year. 

I have had as high as 19  Hard Inquires on my credit report at one time. 

Currently have 20 lines of credit

it takes time

it will not happen over night. 

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