How can I have a credit score >800 quickly? I’ve been paying off my balance off 100% every month but still sub 740. I only have 2 credit cards, one old card I had as a student and one Amex

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It takes time. I was low 700s out of school (no debt, clean financial record). It started climbing steadily to 820 over the next 4 years. The mortgage probably helped as it shows track record of being able to handle debt (same if you have an auto loan) .

Don’t close your oldest card, don’t make any late payments and some debt instrument on your credit record will only help

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I had the same situation, then got 2 more cards increasing my total card ownership to 4 and my score quickly went up to 780+

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740 is great maybe increase your credit limit

Increase credit.. wait. Unfortunately you just need time, as others have posted!

Get more credit, open up a few more accounts. Having a bunch of untapped credit improves your credit score, and pretty sure you only get rewarded for more accounts (to a point). I have a couple cards with >$10k limits, 4-5 with ~$5k... All but two sit in a travel wallet and never get used. Have 800+ credit

Get credit karma it gives you specific tips!! 790+

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