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NaomiGraceF

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How to increase score to at least 700 if current score 673?
Current score 673, no current credit cards; just student loans and auto loan with no late payments. Attempting to increase score to at least 700. Attempting to increase my chances for a specific credit card (Chase sapphire preferred Sky Miles) however chances of approval at this time poor. Advice?

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In order to see scores increase, they need to see the credit mix they are desiring and a credit card would be one of them.   Although when you first get it, your score will drop, then only time and timely payments and proper use of the credit score will see your score increase.   You may not be able to look to the top of the line credit card companies to start with.   Consider a secured card if you can't get a reguler card.   Manage it wisely and you will see it an increase over time.  This step alone could result in a 50-80 point increase over the course of a year of proper management.

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I suggest you read the articles on this site since the expressed purpose of Credit Karma is to TEACH how credit works and how to build one's credit score.  They do so very well because I read, then put the ideas into practice and now have a very good credit score.  You will have to begin your credit portfolio with a secured credit card, and progress from there, as you will see in the articles.    

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