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credit score

Established Member

credit score

Hello Everyone, I would like to find out what to do. My credit score is equ.663 tu 606 exp.623. i was at 453 3months ago on all three, now my question will my score still go up after paying credit card off and not using it at all. The only thing i didnt pay off was my truck note which i pay on time every month. I have 3 credit card never late, Do u think i should still use them or not.

Message 1 of 11
10 REPLIES
Senior Contributor

Re: credit score


adebayo wrote:

Hello Everyone, I would like to find out what to do. My credit score is equ.663 tu 606 exp.623. i was at 453 3months ago on all three, now my question will my score still go up after paying credit card off and not using it at all. The only thing i didnt pay off was my truck note which i pay on time every month. I have 3 credit card never late, Do u think i should still use them or not.


 

1) Where did you obtain your scores?

 

2) It's OK to use your cards, it is just not a wise idea to revolve balances.

Message 2 of 11
Established Member

Re: credit score

fico and loan officer
Message 3 of 11
Senior Contributor

Re: credit score


adebayo wrote:
fico and loan officer

What kind of a loan were you seeking?

Message 4 of 11
Established Member

Re: credit score

mortgage i was preapprove for a 280000 house loan on 8.7.2009
Message 5 of 11
Senior Contributor

Re: credit score

Nice! Good luck with that!
Message 6 of 11
Established Member

Re: credit score

thanks but i still want to know how to get my credit score too 700
Message 7 of 11
Senior Contributor

Re: credit score

Work on your baddies, watch your balance carrying and never ever be late!

 

Beyond that it takes patience.

Message Edited by creditwherecreditisdue on 08-21-2009 10:46 PM
Message 8 of 11
Regular Contributor

Re: credit score

Why is the score so low?
Message 9 of 11
Established Member

Re: credit score

BEFORE I HAD A LOT OF COLLECTION WHICH IS ALL PAID OFF AND SOME DELETED, ALSO BEFORE FICO I DIDNT UNDERSTAND WHAT CREDIT IS SO I ALWAYS MAX MY CARD OUT AND PAY SOME EVERYMONTH BUT AM NEVER LATE SO NOW I JUST WANT TO GET TO THE 700 CLUB I JUST DONT KNOW WHAT ELSE TO DO NOW

Message 10 of 11