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Rising Star
I hit 800+ this year. Still don’t know what to do with that info lol
Go get cheap debt
I caught the white whale somehow. Got a perfect 850 score come back when I applied for a loan earlier in the year. The adverse commentary section where they tell you what decreased your score was completely empty.
Felt pretty good at the time.
The obvious stuff you can control of course - on time payments (just set up autopay), have a good number of accounts with enough credit limit.
You can goose your credit utilization % by paying a significant amount of the balance before the statement date, but since it doesn’t really have a “memory” there isn’t much of a point to in my opinion - just get enough credit limit and it’s sort of moot anyway.
The obvious stuff you can’t really do anything about right now is to have a lengthy credit history. I had the benefit of my parents adding me as an authorized user on their cards when I was 3, which drives up the average age of my accounts significantly.
The last thing that I think helped me out was that I have a mortgage that I’ve been paying as well. Never seemed to get that last couple dozen points until I had one.
Not irrational
Samesies 🥰
I paid off my mortgage and now my credit score decreased to the low 700s. Apparently I don't have enough credit history with 2 credit cards and a vacation home mortgage.
Enthusiast
Still paying for my early 20s mistakes and building up from a 628 🥴
Right there with ya mate 😂