http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Will-Credit-Builder-program-help/m-p/1675074#M67051 <p>I've been on a program since early 2012 to help build my credit. The last payment is tomorrow 11/1.  Will this boost my score some, or make it drop? I'm at 595 now (:smileyfrustrated:), was at 621 on 10/6 and still trying to figure out why it dropped to 595 on 10/24.  </p><p>I didn't do anything differently or even use my credit cards...also was not late on a payment.</p> Thu, 01 Nov 2012 01:20:38 GMT Sup3Rmari0 2012-11-01T01:20:38Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Will-Credit-Builder-program-help/m-p/1675074#M67051 <p>I've been on a program since early 2012 to help build my credit. The last payment is tomorrow 11/1.  Will this boost my score some, or make it drop? I'm at 595 now (:smileyfrustrated:), was at 621 on 10/6 and still trying to figure out why it dropped to 595 on 10/24.  </p><p>I didn't do anything differently or even use my credit cards...also was not late on a payment.</p> Thu, 01 Nov 2012 01:20:38 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Will-Credit-Builder-program-help/m-p/1675074#M67051 Sup3Rmari0 2012-11-01T01:20:38Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Will-Credit-Builder-program-help/m-p/1676736#M67058 <p>Did you use your card at all??? Will this might be your actual score if you did not have a credit card before them for 2 years. Burea missing 2 years credit, and if ur rebuilding from scartch this year, its kind of like renew. Also, keep your card charge at 5% aleast.</p> Thu, 01 Nov 2012 20:41:02 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Will-Credit-Builder-program-help/m-p/1676736#M67058 ZS1988 2012-11-01T20:41:02Z