How can I take my current good credit rating of in the 680s on both Equifax and Transunion into Very Good/Excellent ratings of 700+?
Don't have any negative things like collections on my file or late payments.
I have 4 credit cards, Visa/Mastercard/Amex and a Home Depot card. All of them have balances but none are maxed out.
I also have a mortgage and line of credit, both are in good standing.
I'm thinking the credit card balances is what is keeping it from being higher, would paying off the balances on the cards increase my rating significantly?
Don't have any negative things like collections on my file or late payments.
I have 4 credit cards, Visa/Mastercard/Amex and a Home Depot card. All of them have balances but none are maxed out.
I also have a mortgage and line of credit, both are in good standing.
I'm thinking the credit card balances is what is keeping it from being higher, would paying off the balances on the cards increase my rating significantly?