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fire2233

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no debt, how to boost credit score?
I have paid off a car, and student loans, no monthly debt. And I have an AMEX with no spending limit! My scores need to improve, not sure how I need to?

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Learn to play the game.

Credit is not based on how much money you have, it's how well you manage it. 

You obviously can manage your money.  Creditors would rather you manage your debt. 

For a good credit score you want to have available credit equal to a years income, usually credit and store cards.

For a great credit score theyalso want to see Real Estate loans and Other types of loans such as Auto and personal lines of credit.

Opening more credit accounts should be fairly easy. No more than 1 new account every 4 or 5 months.  Pay them off monthly and keep you debt ratio below a months income and your score will go up.  

There are tactics to using credit and there are things that you can do Push your score up.  Read the blogs and advice posts here on CK and check out a few other sites as well.  There are a lot of them.  you can learn the basics of good money management in a few hours.

Good Luck

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