My Credit score Hasn't been growing for a long time .

[soumen Das]

My Credit score Hasn't been growing for a long time . My credit score 779 and stop increasing
Last 1 year i have 7 credit card and 3 lone

 

[anuragmukherjee28]

A score of 779 is already very high, so it’s completely normal for it to stop moving much. Once you cross 760–780, the score usually grows very slowly because you’re already in the “excellent” zone.

A few points based on what you shared:

1. Having 7 credit cards + 3 loans is okay
As long as you’re paying on time, this won’t hurt your score. But it also won’t increase it much now because your profile already looks strong.

2. Scores don’t increase every month at this level
When you’re above 770, the system looks for negative factors to bring it down, not positive ones to push it up. So staying stable is actually a good sign.

3. Only a few things can push it slightly higher:

• Keeping credit utilization very low (below 10%)
• No new hard enquiries
• Longer credit history over time
• No new loans unless necessary

These help, but the score might only move 5–10 points in many months, that’s normal.

4. Your chart looks stable, not stuck
A flat score at 779 simply means your credit behavior is healthy and consistent. Honestly, you’re in the sweet spot already. A lender treats 779 the same as 800+ for approvals.

If you want, share your utilization and loan details, can check if anything is pulling the score down, but from what you've shown, everything looks fine.

 

[soumen Das]

A score of 779 is already very high, so it’s completely normal for it to stop moving much. Once you cross 760–780, the score usually grows very slowly because you’re already in the “excellent” zone.

A few points based on what you shared:

1. Having 7 credit cards + 3 loans is okay
As long as you’re paying on time, this won’t hurt your score. But it also won’t increase it much now because your profile already looks strong.

2. Scores don’t increase every month at this level
When you’re above 770, the system looks for negative factors to bring it down, not positive ones to push it up. So staying stable is actually a good sign.

3. Only a few things can push it slightly higher:

• Keeping credit utilization very low (below 10%)
• No new hard enquiries
• Longer credit history over time
• No new loans unless necessary

These help, but the score might only move 5–10 points in many months, that’s normal.

4. Your chart looks stable, not stuck
A flat score at 779 simply means your credit behavior is healthy and consistent. Honestly, you’re in the sweet spot already. A lender treats 779 the same as 800+ for approvals.

If you want, share your utilization and loan details, can check if anything is pulling the score down, but from what you've shown, everything looks fine.

Thank you

 

[spal_98]

My Credit score Hasn't been growing for a long time . My credit score 779 and stop increasing
Last 1 year i have 7 credit card and 3 lone

Kono problem hobe na, just time dao, automatic barbe

 

[IshanBhardwaj]

At this credit score, you should just focus on not getting it down. Rest is all fine.