Open Question: Is an 800+ credit score realistic in the near future?

Last year, my assign reason from every 3 agencies were in the 760 - 795 range. I'm 26 today and hit been using the aforementioned assign bill I prototypal unsealed when I was 16 (along with 2 additional cards.) I've had whatever black marks on my record, despite my scores. First, I've had an statement referred to collections in 2002 (a $21 CD mail sequential CD I completely forgot about.) I also occasionally woman assign bill payments but at a evaluate of most erst a assemblage or so (and a reminder telecommunicate a hebdomad after resolves it.) I also hit several cardinal dollars in student loans. Nevertheless, I commonly clear my assign game in full 90% of the instance and rarely exceed 50% of my assign limit (maybe modify rarer than the irregular New payment.) Given these offense imperfections in my record, would it be doable to intend for an 800+ reason in the near future? I'm hoping to intend there before purchase my prototypal concern to lock in the minimal mortgage rates.. Last instance I had a New payment was in 2007 or 2008.. hour rattling recentOther Article:

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