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Reply to "Can’t get credit score past 740’s"
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[quote=Anonymous][quote=Anonymous]Increase the credit limit on your credit cards. Mine was lower than I thought it should be (I thought it should be perfect :). I asked what was up - my credit limit on my main card was like $5k, which I requested. I used about $3k a month and paid it off. They said because I ran close to my credit limit every month, it was a ding against me. I bumped my limit to $15k, still only spent about $3k and my score went up about 20 points over time. [/quote] +1 Or get another credit card and don't use it much. For some reason, the credit card company algorithm rewards people for having a ton of credit and not using much of it (which has always seemed stupid to me, because one day if I ever fall into dire financial straits, I have so many options to get myself into crippling debt.)[/quote]
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