last time i checked.. my score was like 720. my only credit card is through bofa with $1200 limit, and my car loan with around $5800 remaining. Whats the best way to increase my score?

 

You have what would be considered a good rating already. Now the only thing to do is maintain that good credit to sustain a long credit history. I've run into the same problem, theres nothing you could do now except pay you bills on time, don't close accounts and try not to open any either.

 

CC companies own my soul.

 

sam's club credit is teaming up with discover come march.. i was thinking about applying for it. + cash back on purchases (its a costco comp thing).. but im not sure yet.

 

ratings are basically made up of the total credit limit debt you owe from what i understand, but i'm me, anyone care to back me up on this one?

so basically the more accounts you have that are active the more credit you have the better you score.... DONT close old accounts, the older the better because closing them may make your credit history seem newer than it is... o well, i think thats what i'd tell you but thats just mee....


someone please tell me politly if i screwed that up before DM comes in a basehes me

 

Thats only 1 thing.

 

yea, but it's a big chunk from what i've heard...

the rest is made up of spending habits and such as well as outstanding loans, correct?

 

DRfrank...dude, just read and comprehend. No one is asking you to regurgitate the information incorrectly nonetheless

 

:thinking: comprehend?
i worry about a string that falls into the microwave and i'm supposed to comprehend cridet cards.. give me a break... i've just got an ichy reply finger

 

emphasis on incorrectly.