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Scores are not going up

April 12th, 2007 at 09:59 am

Now I have been debt free for about 4 months, grant it I have 1 to 2 doctor bills that needs to be paid but my credit score is not going up at all, and i do not under stand why, if I use my card as soon as I get home I pay it off so there is no balance. I pay all other bills on time but when ever I check my scores they are in the low 600s and I am actually closing an account next month because there is an annual fee attached to it

8 Responses to “Scores are not going up”

  1. debtfreeme Says:

    Sometimes it takes 6 months to 9 months to see a difference in FICO scores.

  2. fairy74 Says:

    agree with debtfee it takes the scores awhile to go up or down...

  3. SkyeBlue Says:

    One reason could be that you are paying all your cards in full every month. Don't let your balances get up but try stretching your payoff's out over 2 or 3 months(that looks good on your report also when someone is considering giving you credit as it shows you can make regular payments over a period of time). I have 4 credit cards and about $400.00 total in debt over all of them and when I checked my report last my score was 795 - 798.

    Try that then check your score again to see if there has been any change.

  4. Amber Says:

    Thanks sky I will do that, I was just trying to avoind the finance charges

  5. smiles29 Says:

    i think i have the lowest credit score known to mankind. i found that my score is..... don't laugh..... ok u can laugh. it is 543. i didn't even think that can heard of but it is. i am trying really hard to clean my credit. i thought when u pay ur ren t on time, it goes up? i got nothing and i've been paying rent for the past 4 years. i am woking on paying off a few hospital bills. this sux b/c i really want a car w/ low interest rates. that is not going to happen for me.

  6. Amber Says:

    Smiles
    That is not so bad, I have a friend's whose less than yours I think high 400s. Also if your landlord is not reporting to the credit bureaus it won't matter. I lived a place for 6 years and was never late only to find out my land lord did not report it, keep working hard it will work out
    Good luck

  7. SkyeBlue Says:

    About 10-12 years ago I had terrible credit. One thing I did when I finally made my mind up to try and fix the problem was to get a copy of my credit reports from all 3 of the credit reporting agencies. I looked thru all of them and set my mind to paying off bad debts I "forgot" to repay that my creditors had reported. I contacted them and just flat-out asked them if I paid this debt would they remove the bad information from my report, and most of them complied.

    Another thing I did was to dispute all the late payments that were on my reports. You send in the form that comes with your credit report and ask them to verify with the debtor that this payment was made late. If the creditor does not respond to the inquiry, I think within 30 days, they will remove the bad information from your report. Sometimes this works, sometimes it doesn't.

    And, if you happen to have an ex-spouse or someone else you may have shared credit accounts with, make sure you check your credit reports on a regular basis. I've been divorced form my ex-husband for almost 11 years and up until about 2 years ago HIS bad credit information was showing up on my credit reports! I did the right thing though in regards to those and called the collection agencies that were hunting him down to let them know where they could find him!

  8. Amber Says:

    Thanks
    for the tip I am working on it now

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