11/23/2020
The basic file requirements for a 700 fico8 score is the following.
2 credit cards, one being a bank card.
1 installment loan (bonus if you have a car/home loan also)
No more than 2 inquires 1 year or more old. You any over 1 year old have no effect
1 year of age
If you have this you need NOTHING more but time