I will have all the bad marks 1 remaining off by February of 16. I am sitting at low 700’s and have a AMX Green , Wells Fargo Visa 7500, Gm card (authorized user) 10k 2 car payments and a AMX Business Gold card. I think I have enough lines of credit however just want to see what some others with success obtaining an 800 plus score have done. My oldest accounts are 25 years old with mortgages etc: Also I have been an authorized user on 3 other cards from my wife and will they help with my score as well at this point? I know they are 4 years old as far as ageing goes. Thank you and share your experiences so others can learn …..