two words: Title Loans.

You need a few cards that carry a balance each month. They don't need to be high balance just keep the amount carried each month at 35 -40 percent of the card limit.

dude - your FICO score is your " I love debt" Score or "I care what banks think of me" score

If you truly live debt free you shouldn't care about your FICO score

Also
Cell phone companies don't use the Traditional FICO they have an Industry specific credit calculation - but if I was debt free i'd probably look into something like Ting.

We have been working the Dave Ramsey Baby steps for the past month and we should be debt free except the house by the end of the year.

I have cancelled all my credit cards and I vow never to borrow money again - meaning I could give a flick about my FICO score..

Good luck to you

Yeah, probably. Just call and ask them to raise the limit. I'm sure they will.

Where should I go? My local bank where I have my money at... I heard once you should never have loans where you bank is there any truth to this?

This.

Having a line of credit for 3-4 years looks better.

:spock:

myfico.com forums suggest keeping about a 10-15% of limit balance to keep score high

Go wherever give you the lowest rate.

Link to the Dave Ramsey baby steps?

F that mess

i have had the card for like 10 years and never had a late payment of any kind on it... Weird thing is I go to creditkarma and it does not list that credit card on me and it's in my name.. are they not reporting it or is credit karma just not accurate?

That's weird. You DO use it, right? And it IS a credit card, not a debit card, right?

Go take out some loans and pay them off within a year. My credit score is in the 800s.

I have zero CC debt, but i will take out loans for stuff like furniture from time to time even though i dont have to.

It sounds like that card is a debit/credit card that's tied to your account. Those won't report the credit bureau.