Is it possible to get to the "800 Club" without taking out any big loans? Or, more, specifically perhaps .... how can I get to the "800 Club"?
Last month I paid off my 10k of credit card debt (finally) and my score is now at a very respectable 760. I just ran my credit reports and the last ding I had (a small medical debt from 2011) has finally fallen off. I owe about $3,500 left on my student loan (which will be paid off this year), and that's it.
I live minimally, in an urban area where I don't need or want a car, and have no desire to own property. So there's no chance of me taking out a loan for a big purchase anytime soon.
Due to having shitty credit my entire adult life, my total credit lines on my cards are quite low (10k combined + additional 5k store card + 2k medical card). Would increasing my credit limits and/or getting an additional card or two boost my score enough to bother at this point?
I know the "800 Club" is all vanity, but coming from a place of having had a 500-range score in my twenties, I'm really proud of myself and want that trophy.