How can I improve a good credit score?

I'm sitting at about a 780 right now. I had roughly this score last year and it doesn't seem to be moving. I have a couple of credit cards that are paid regularly and a car loan that is up to date. What do I have to do to get my score over 800? All of your answers have been very helpful. However, I definately don't want to open any more credit cards. I looked over my report and I have one that I actually use(balance is never voer $200 and is always paid off the same month) and the rest(about 4) have zero balances and are never used. Should I close the ones I'm not using? They've all been open roughly two years each.

Public Comments

1. I have no idea but good job in keeping your credit in good standing.
2. You don't need to improve it, just maintain it where it is.
3. You really don't need to since a 780 will get the very best rates out there. But, since you asked, if all you have on your credit report is 2 credit cards and 1 car loan you have a thin file. Get another credit card, buy a home and keep making your payments as agreed and in 12 months you will be over 800. Additional information. I was not going to add anything until I read one of the other answers, it really makes me mad when people offer advice and don't not know what they are talking about. Credit scores are made up based on the following; 1. Payment history 35% 2. Time in bureau 15% 3. Types of credit 10% 4. New credit 10% 5. Debt to credit ratio 30% Notice there is no debt to income mentioned, this is because debt to income has nothing to do with credit score. To have the best score and profile you need 3 credit card accounts (revolving) with balances below 30% of your limit and 2 cars, boats, homes, furniture or personal accounts (installment) all with good long pay history's.
4. Your credit is excellent...the only way for you to improve your credit is not to open any news accts for 6 months or more and allow the accts you have to age a little...the longer an acct is open and the better the pay history the more your score will go up...also have an even amount of revolving credit, installment loans, mortgage, car loan etc...if you have too many credit cards or too many loans that can affect your score...pull your credit report and make sure all the accts you've paid off are closed on your credit report. You are in the top 1% of the country and your credit is excellent...just make sure you pull your credit file every 3 to 6 months and protect yourself from identity theft!!
5. That is a good score. You want to have only a few credit cards all that have been open a good length of time. you dont want too much credit out there because when your debt to income ratio is too high it can bring down your score. You can call the credit agencys and ask them what else you can do to help you credit. Its good to have some credit you are paying down always because good payment history is better then having no debt. It shows you can handel payments over a long period of time. Make one big purchase and pay some every month or better yet get a balance trasfer into you checking account using a 0% fixed apr and then invest the money you take out in a CD or stocks to make money off of your loan. Make your minimum payments to the credit card every month for the payment history and when the 0% exprires just take it out of the CD's or stocks you will make money and help your credit.
6. Are you carrying a balance on the credit cards? If so, make sure the balance is much less that half the credit limit. For example...if you have a cc with a $1000 limit, your balance needs to stay low, definitely below $500 and preferably below $200...if not zero. Carrying a high balance, relative to your credit limit hurts your credit.
7. Pay off the cards sooner. Your score isn't that bad really. You can consolidate those cards to one and pay off sooner by sending one large payment a month. What you do is this...use one of the credit card checks and use it to deposit it to your account. Then use your own check to pay off that other credit card, you can't send a credit card check to pay off another one. This way it looks like you paid off the one credit card, but really all you did was consolidate. I do this and it works. Just do it once and it may work for you. Never be late with a payment either, as this will make it go down. Good Luck!
8. get another credit card and maintain it just like you do with the ones you have now. Use it for like gas only and pay the complete balance at the end of the month. go to http:bmr.ezcreditcardz.com and look at some cards, you can get any card you want with your score.
9. to raise credit score 1. Always pay on time or ahead of time. 2. maintain low balances on credit cards 3.To boost your score: Don't charge anything for at least 60 days before applying for a loan 4. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000. 5. You should have a recent history of both installment or term (Car or house loans) and revolving credit. 6.To boost your score: Don't close unused accounts when you transfer debt. 7.To boost your score: Consider opening another credit-card account or two, or taking out a car loan or small bank loan. ------------------------------ http://www.bestcreditrates.net