How do I build my credit score back up fast?

Question

So I had my credit score at 700 but when work slowed down I had no choice but to use my credit card and I did max it out but I ALWAYS pay it off in big payments. Since I did over spend, my score dropped over 20 points, it’s currently at 669 now.
My goal is to get a credit score of 800, but I need help, I have no idea how to build it up fast.
The balance to use on my credit card is $700 so how much do I have to use in order to build my credit up? And not only that what else do you guys recommend to build up credit?
Also how long do inquires last? I have 6 inquiries on transunion & 6 on Equifax. They were from applying to credit companies, car dealership & a jewelry store.

Answer

sign up for credit karma. it will tell you exactly what to do to get your score back up

Answer

Don’t use more than 30% of your card balance. Meaning don’t ever go over $210. Find out when the credit card company reports to the credit bureau and make sure your balance is lower than that ($210), much lower.

Answer

I worked in banking for years, and your score is high enough that it’s literally not worth worrying about. It will remedy itself when you’re a) doing less inquiries in a short period of time and b) are paying off bills faster than you have been, or are not any carrying balances on your revolving credit. You’re past the point of trying to utilize small credit cards to “build up your score”, those tips are really for people with actual credit issues which you do not have. 
Most people who have long standing credit scores of 800+ have mortgages, car payments/leases and LARGE available revolving credit limits (think home equity lines of credit or credit cards with limits of $25K that they always pay off in full). Lenders would rather you have a score of 700 consistently for the last 10 years than anyone who only has 2 years of credit history with a score of 800 because you haven’t had time to make any mistakes yet haha.

Answer

I suggest to stop using your credit card and start paying things in cash. Cash is king. Also, pay off big debt first (credit card is what it looks like ) . With your hard inquiries, get a LexingtonLaw subscription and they will take it off of your report within a month. I highly suggest doing that.

How do I build my credit score back up fast?

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