<prompt> Human: Ok, so at the moment I have zero late payments, average credit history is over 5 years. I have 4 credit cards for a total of 40,000 in available credit, and a balance of 2,000 interest free and being paid back at 1,000mo. I have a 4 year old judgement on my credit for 650 for a defaulted credit card. There are two derogatory accounts on my credit, both closed. What can I do to continue to improve my credit? Is there diminishing return for having higher available credit? I could probably get approved for another 10-20,000 credit card without much trouble, more if I did a business card for my business but I dont know if that would actually help. At this point I dont know how people get from mid 7s to 800. Edit: The reason Im asking is because Im buying a house in two years and want to lowest fixed rate mortgage I can get. Assistant: I have a 4 year old judgement on my credit for 650 for a defaulted credit card. There are two derogatory accounts on my credit, both closed.What can I do to continue to improve my credit?Wait until those fall off your report.Human: Yea, I know theyre hurting me. Ive considered disputing the closed accounts and hoping the companies that hold them wont care enough about closed accounts to contest it. Assistant: If they are legitimate why would you contest them?Just wait 3 more years.Human: Just to have them removed. I cant think of any negative consequence for doing it.  <response>: Well, its fraud. 