Well I figure I should add this new info to this thread...little did I know my credit score had changed since 2 months ago when I last checked it...I am now down to 680
probably because as of late I had to carry a higher balance than usual. I have now signed up for monthly monitoring at MyFico.com so I can keep tabs on it, and will be alerted once I reach 715 so I am back to normal. I plan on calling tomorrow to have my limit increased to hopefully increase my score eventually. I highly suggest MyFico.com it allows you to simulate situations to see what actions will do for your credit score.
It said what was hurting me:
1. My oldest account was only opened two years ago (Short credit history)
2. High revolving credit usage (Credit to debt ratio 31% - which equates to about $450 balance)
3. 6 open accounts with balances (College loans)
What was good:
1. No missed payments on open accounts
2. Shown recent use of credit cards
3. Minimal credit inquiries
My next goal is to up my RIRA investing, lower dumb spending, and start saving to pay off my student loans
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