My credit score is 703 with equifax (according to myfico.com)?

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I am hoping to move out in the next year or so. Before I start applying for rent, I want my score to be back up to 720 (I closed some unnecessary accounts).

I currently have four credit cards (one is so new it hasn't arrived in the mail yet) and a total limit of $14,000. If I keep the usage of each card to below 15% and pay them all on time, how long do you think I can reasonably expect to see my score go up to 720 when I've only had credit for about 2 years (assuming that I don't apply for more which I have no intention of doing right now)?

Addition info: All cards are low interest rates, low payments and I have no late payments reported, no collections, auto loans or public records.

My credit score is 703 with equifax (according to myfico.com)?

I have a question or two for you"

1. Did you pull your score BEFORE or AFTER you closed the unecessary accounts?

2. Also, what was the limits on the accounts that you closed?

This is what makes up your score:

1. Payment history- 35%

2. Total debt owed to avialable credit ratio-30%

3. Length of time establishing credit-15%

4. Types of credit established-10%

5. Inquiries and New accounts-10%

Also, keep in mind that the scores that you see are just an estimate, so it's a chance that it could be lower or higher than 703. I manually review reports all the time in order to make decisions on whether to approve or deny credit, so this is common.

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My credit score is 703 with equifax (according to myfico.com)?

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