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I couldn't get mine above 720 until I decided to run a balance on my credit cards for a few months and then pay the balance off. I've done that a couple of times and my score is 805 now. Forever I paid the balance off every month and my credit score wouldn't change. It seems a little silly now, considering the fact that I have about 80K in my savings account now but I can't refinance my home with that high of a credit score because my mortgage with BOA wasn't sold to Fannie Mae or Freddie Mac. Banks punish people for being responsible and paying their bills on time every month yet will refinance and modify loans for all of the people that are months behind on their mortgage and borrowed more than they can afford.
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