This Is What You Should Do If You Have a 700 Credit Score

PAY OFF YOUR MAXED-OUT CREDIT CARDS

Having a large amount of debt negatively impacts your credit score. Maxed-out credit cards look bad on credit reports due to the adverse proportion of the debt to credit limit.

Pay your cards with the highest interest rates first. The objective is to lower your utilization ratio, or total credit card balances divided by your credit limit. Paying down your debt lowers that ratio, and can be a solution to how to get your credit score above 700.