You probably should find out how to bump that up if you plan on getting a loan any time soon h:

24, 760 for me.

 

really? mine is 689 and is labled as "good"

 

perhaps that is taking your age into account also

 

Well I just paid off my credit card today...my report said my balance to credit limit was too high...so it should go up a little bit...other problems were period of accounts open and number of inquiries

 

Stop getting credit cards.

 

how many payments have been late/missed? whats your credit history length?

 

yup, I've got excellent credit. I've got no credit card debt, and no other outstanding loans with the exception of my mortgage that I just got. I went to a furniture store and got financed no prob. I told the salesman my score and he kind of stepped back for a sec.:chuckles:
your score is an ok score, but pay off all your debt as quick as you can and you score will go up a nice chunck. As long as you can show that you can pay off your debt and you have a good income to debt ratio that is what will boost your score.

 

A couple in 05
0 in 06

That card was at 1k/1200

And my school loans were at 5k paid them down to 3k

 

yeah. get a card/cards with higher credit limits, make your payments on time. put the loans on forbearance if you have to pay off a credit card.

 

what is more important than your actual score is why your score is what it is.

somebody can have a 700+ and only have had 1 credit card with a 500$ limit that they had a balance on for 3 or 4 months. sure, their score is good but most lenders wont take a chance on them because their experience is too limited.

and carrying a zero balance/paying stuff off early isnt always a good thing, you need to have a proven history of on-time payments.