Any DFWMUSTANG ballers with 800+ credit score?

[A_A_G]

Any advice to get there? I'm currently at 762 and it seems I cant get it any higher.

Here's my status:
4 credit cards
Total available credit - $13,800
Credit card debt - $276
Credit card utilization - 2%
Oldest card is 9 years old and has the highest limit at $10,500
No auto or mortgage loans

My goal is to purchase a home next summer so I'd like to get my score as high as possible.

[David]

I may be incorrect, but I've always been told once you reach the excellent credit category it's all just a number after that. Mine in 784 and I really don't care anymore about it unless it drops below 750.

[prostock1]

DEBT FREE !!!!!

What is a credit score ?


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[2011GT]

If you're wanting a higher score credit cards are only part of the puzzle. You need an auto loan and mortgage to bump it up. Don't worry to much about it though. Your credit score without looking at your actual history and income will get you the lowest rate possible. When I bought my first home 5 years ago my credit was only 650 and I got the lowest rate at the time 5.0%. I don't even care what my credit is now because I'm all about cash money and fuck financing anything (except a home) my last house 2 years ago my rate is 3.25%. But what I know now I will never buy a house without 20% down. I have to pay pmi insurance for 3 more years at 200 a month...

[Mysticcobrakilla]

Cowskincreditscore checking in!

Op, have you had any expensive loans other than typical auto loans?

[quikag]

The DFWM ballers pay cash for everything so they don't worry about credit scores.

[A_A_G]

Cowskincreditscore checking in!

Op, have you had any expensive loans other than typical auto loans?

No, just the credit cards and one auto loan I paid off 2 years ago.

[svauto-erotic855]

I never checked mine but discover now shows your score on your statements. Mine was over 800 but I do not know how it got that way. I have never financed anything in my life (I did finance a truck for a few day to get the rebates) or have carried a balance on any card. Most of my cards I have had since the early 90s with the highest limit being 125k.

[32vfromhell]

Any advice to get there? I'm currently at 762 and it seems I cant get it any higher.

Here's my status:
4 credit cards
Total available credit - $13,800
Credit card debt - $276
Credit card utilization - 2%
Oldest card is 9 years old and has the highest limit at $10,500
No auto or mortgage loans

My goal is to purchase a home next summer so I'd like to get my score as high as possible.

Your credit limit seems low.

[A_A_G]

Your credit limit seems low.

Should I apply for another card?

[Mysticcobrakilla]

No, just the credit cards and one auto loan I paid off 2 years ago.

If your end goal is a house, I'd just start stacking up down payment cash and start looking for a house. Your score will do just fine where it is.

If your goal is to have a high credit score, just go buy a toy of some sort and pay it off somewhat quickly.

A credit score is nothing more than a past/present debt meter. And of course, the ability to pay off that debt.

[Mysticcobrakilla]

Should I apply for another card?

No. Just ask for a limit increase on your favorite card.

[A_A_G]

If your end goal is a house, I'd just start stacking up down payment cash and start looking for a house. Your score will do just fine where it is.

Thanks for the advice. The big reason why I want to get it as high as possible is Im worried about it going below 750 after getting hard inquires when applying for a mortgage loan. I want to get the lowest interest rate possible.

[2011GT]

Thanks for the advice. The big reason why I want to get it as high as possible is Im worried about it going below 750 after getting hard inquires when applying for a mortgage loan. I want to get the lowest interest rate possible.

Read above. I had a 650 and got the lowest rate possible.

[Mysticcobrakilla]

Read above. I had a 650 and got the lowest rate possible.

I'm not saying it didn't but I don't see how, maybe svtlurch will chime in on this.