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Hi Guys...
I have a total of 5.5 years of experience with current CTC as 11.5 lpa.
I have a offer from Infosys of 17 lpa
But my company wants to retain me and they are giving me an opportunity for Canada onsite in return of retention(no raise or bonus)
Please suggest me, if i should take the onsite opportunity or keep looking for counter on my current offer.
I have 70 days of Notice Period left.
Tech stack- python/ AWS/ data engineeringDeloitte
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Why do you think it needs to be higher than that? The cut off for the best rate is usually 760.
Enthusiast
To add on to this, A1 with the 35 years of credit history really helps.
Get someone in your family to make you am authorized user on their card with super good history and long history of credit. Then once you become an authorized user and the card comes in the mail, cut the card up and never use it. You'll have that credit history added to your profile.
Rising Star
As SD said, the cutoff for the best rates is typically around 760 so getting to 800 won’t do anything. That said, here are some possibilities that may or may not be relevant given the limited information provided.
-Length of credit history is not long enough
-Number of accounts is low (you mention no loans)
-0 hard inquiries for 6 months, but they stay on your report for 2 years
These are all things with smaller impact but when you are trying to get to the highest scores they matter.
Rising Star
It’s probably length, amount of credit available, and mix of credit issued to you.
If you only have CCs in your history, you won’t be able to get much higher than that. Maybe only with an increased limit, but that may bring your score down in the short term.
Don’t worry as soon as your mortgage gets recorded on your credit file, you’ll find yourself sitting in that 800+ band
Only thing I can think of is increasing your limits
Credit scores are weird - each score has it’s own algorithm. Even within FICO there are several types of FICO scores. You’re at a good place now. You’ll increase when you get a loan, but no need to worry about getting over 800.
Underwriting usually has set cutoff tiers based on min FICOs as others have mentioned and then the rest is usually determined by debt to income type metrics. Keep in mind FICO is not only about how “responsible” of a borrower you are but also how profitable you are. That’s why when you pay credit lines off early from the payment schedule, it penalizes you
I’m an authorized user on my parents’ credit card so my oldest account is 25 years old even though I’m 32. Obviously that’s a big privilege not everyone can access but just mentioning as an fyi on how people get higher scores. And no I haven’t charged anything on that card in 10 years.
Time.