L
Luis E.
I few like my credit just goes up a few points but never a drastic increase even if i paid my credit cards!?
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I few like my credit just goes up a few points but never a drastic increase even if i paid my credit cards!?
Building credit does take time. Are you utilizing your credit cards correctly?
'Mine only went up two points in the last month. but hey, at least it's going in the right direction.
Mine never grows OR lessons more than 30 points !
Do you pay off your credit cards in full? If not, that'll decrease your utilization, which will bump up your credit score.
It can take years sometimes to improve credit !
Shannon P is correct. Some negative items like bankruptcy take 7 years to fall off your credit reports. Other lesser factors like length of time your credit accounts have been open. Counterintuitively, paying off your mortgage can make your credit score go down. Also, any improvement of your score beyond 750 has no real benefit. Best place to learn the ins and outs are on the myfico forums: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Your-Guide-to-Credit-Scoring/m-p/718550#U718550
agreed make sure if your not paying it off every month you're atleast keeping utilization under 30%
I can't seem to get it to go anywhere
Keep making on-time payments and work to get the utilization under 30%. also avoid applying for new credit too often.
Yes, paying on time helped me stay in good to great credit for years now.