credit score help?

[Aaron]

hello,

new here, my credit score is a 680 and i own a house and am never ever late with anything, how and what can i do to get my score to over a 700 or even better? any advice would be great..  

[Destini]

pay all debts down below 50% of credit limits. Do not pay off entirely, just keep balances low.

Destini

[ANW]

Also avoid consumer lines of credit. Like Best Buy cards and things like that. They are not looked favorably upon in the credit algorithm . American Express can also hurt your scores.  The way a + or - is determined is how much you owe compared to you limit. When you charge 5k on an AM/EX it will, generally speaking, be reported to the credit agency as a 5k limit with a 5k balance... that is bad, but the frequent flyer miles are good. (Just like Homer Simpson and his cursed frozen yogurt)

[afgroup]

It helps to make sure you always pay at least 125% of the minimum monthly payment on your credit cards.  If you always make minimum payments it may will count against you.

[johnnyonthespot]

Go to equifax.com and order your score power report... this will show you your current score and has a simulator tool in which you can simulate what your score can be if you do different things!