Why the fuck won't my credit score go above 760
Depending on who you ask, it's been at 760 for about a year and a half now. Never missed a payment, never paid late, never did anything wrong. I have 8 cards now, total ~$40,000 credit limit, and with all major banks.
The fuck is this, Veeky Forums
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probably not enough income
>8 cards total
I'm pretty sure having too many cards actually counts against you, regardless of whether you make all your payments on time. Also, it matters how you use your credit too. If you regularly go above 50% of your credit limit, you are probably hurting your score. Decent websites will give you a breakdown of what is contributing positively or negatively to your score. I'm pretty sure this is one such website: freecreditscore.com
I see you are using the TransUnion website. I highly recommend against that as they are shady as fuck. They literally scammed me out of money by convincing me to pay for my score from all 3 companies and they never delivered. In the end it's my fault for not taking it up with my bank in a reasonable amount of time, but still... fuck them
>I have 8 cards now, total ~$40,000 credit limit, and with all major banks.
I dont know exactly how your fucked up scoring system works, but I'd guess that this count's against you.
Who in their right mind would have 8 fucking credit cards and 40k credit limit?
Unless you are a criminal or have a job that involves a lot of travel and situations where you'd need that amount of cards and money, that looks really fishy.
And in the latter case, I would assume one discusses that situation with the bank, to get some good conditions, or have the cards on the employer anyways.
But the real reason:
>they see you are browsing Veeky Forums
>instant shit score
Who the hell cares?
760 is good enough for most things you would need.
I just got my first credit card last April when I was 27, and no lines of credit prior to that. Just checked my score and it's 771. No fuckin idea how it's possible but I'll take it.
Just have that one card and barely even use it.
Having all those cards hurts you, you will probably need to spread a certain allocation to each card every month and pay it all with no late payments. In short you need more income because all the cards you're not using count against you
why do you retards bother spewing bullshit?
more credit accounts raises your credit score, similarly, a higher credit limit allows you to keep a low utilization which also raises your limit. the only negative might be that depending on when he opened those cards it might drop his average account age.
ITT: cucks speculate on how to improve their good goy score
yes very diligent, good good.maybe try playing around with your debt level on each of your credit cards each month? after all nobody knows ou-uh..their formula for credit score so its impossible to say. probably just keep on guessing im sure they will trust you more eventually.
OP asked
Not using credit is like saying no to free money
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