Credit Score Optimization

Advanced strategies to push your score from good to excellent (670+ to 800+)

Current Score: 670-739

Focus on utilization, payment history, and credit mix to break into the 740+ range

Optimize Utilization →

Current Score: 740-799

Fine-tune your credit profile with strategic moves to reach the elite 800+ club

Advanced Strategies →

Top Optimization Strategies

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Perfect Your Utilization

Keep overall utilization under 10% and individual cards under 30%

Utilization Calculator
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Increase Credit Limits

Higher limits = lower utilization without changing spending

Limit Increase Guide
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Strategic Card Applications

Add new accounts strategically to improve credit mix and age

Card Matcher

Optimization by Score Range

670-699: Fair to Good

  • Pay down high balances (target under 30%)
  • Set up automatic payments
  • Become an authorized user
  • Don't close old cards

700-739: Good

  • Optimize utilization (target under 10%)
  • Request credit limit increases
  • Add installment loan for mix
  • Monitor for reporting errors

740-799: Very Good

  • Perfect payment timing
  • Strategic new accounts
  • Maintain aged accounts
  • Consider premium cards

Free Optimization Tools

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Score Simulator

See how actions affect your score
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Utilization Optimizer

Balance cards for maximum impact
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ROI Calculator

Calculate credit card rewards value

Ready to Optimize Your Credit?

Get a personalized optimization plan based on your current score and goals

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