Brink gets another video documentary

, part of your criedt score is the mix of criedt. If you only have revolving loans, your score is being penalized for this for lack of criedt mix. However, you can still get to 750. One of the ways that scores are attributed to is the percentage or utilization of your criedt. Credit scores take a huge hit if over 30%. You mentioned you are under 50%, which is good. If you want to see your criedt score get to 750, pay down all your criedt cards until they are under 30%. Don't go looking for criedt, as criedt inquiries will decrease your score. If you have to absolutely apply for criedt, don't go looking for a criedt card. You already have four revolving accounts and a fifth will have a negative impact on your score.If you are looking for any loans, it should be installment loans, only, i.e. auto, mortgage etc. It sounds like you know what's on your criedt report. Just to make sure, go to annualcriedtreport.com where you can view your criedt reports for free (Trans Union, Experian and Equifax) once a year for each. You can see if there are any errors or any accounts on there that do not belong to you. If you are interested in your criedt score, you will have to pay extra. Viewing your criedt report for errors is always wise because wrong and negative information will impact your score, as you already know.In summary, pay down your revolving to below 30%, watch applying for new criedt, and any new criedt should be a different mix of criedt, which will help your score in the long run. Credit is going to be your most precious commodity, now that it is harder to get approved for loans these days, especially for a mortgage. Good luck to you.