Credit Cards

[adebayo]

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.

[creditwherecreditisdue]

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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.

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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.

[adebayo]

fico and loan officer

[creditwherecreditisdue]

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adebayo wrote:
fico and loan officer

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What kind of a loan were you seeking?

[adebayo]

mortgage i was preapprove for a 280000 house loan on 8.7.2009

[creditwherecreditisdue]

Nice! Good luck with that!

[adebayo]

thanks but i still want to know how to get my credit score too 700

[creditwherecreditisdue]

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

[SocalMark]

Why is the score so low?

[adebayo]

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