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Scores are not going up

8 Responses to “Scores are not going up”

1. debtfreeme Says:
   April 12th, 2007 at 06:49 pm 1176403744
   1176403744
   Sometimes it takes 6 months to 9 months to see a difference in FICO scores.

2. fairy74 Says:
   April 12th, 2007 at 08:14 pm 1176408895
   1176408895
   agree with debtfee it takes the scores awhile to go up or down...

3. SkyeBlue Says:
   April 14th, 2007 at 03:44 am 1176522247
   1176522247
   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:
   April 15th, 2007 at 04:36 am 1176611798
   1176611798
   Thanks sky I will do that, I was just trying to avoind the finance charges

5. smiles29 Says:
   November 28th, 2007 at 12:41 am 1196210513
   1196210513
   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:
   November 28th, 2007 at 02:26 am 1196216781
   1196216781
   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:
   November 30th, 2007 at 05:11 am 1196399460
   1196399460
   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:
   November 30th, 2007 at 08:27 pm 1196454441
   1196454441
   Thanks
   for the tip I am working on it now

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