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is my credit gonna plateau

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dtafoya
Established Member

is my credit gonna plateau

Hear it goes when I started hear in January my credit was a 628 as of today it is a 659. I have 4 open accounts cc with $75 balance Dell with $20 balance Fingerhut with $36 balance and my car. I can pay them of but i dont want to lose the revolving debt balance. My question is whats gonna happen when im done paying everything off. My goal is to buy a house this year but still trying to get my score higher.

Message 1 of 3
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myjourney
Super Contributor

Re: is my credit gonna plateau

Time and working on your CR's is what's needed in most cases IMHO

Keep UTL low...pay on time...let AAoA grow....INQ's age and you'll be fine

 

The misconception sometimes is what can I do for the quick huge bump? What is forgotten is that those are few and far in between and scores increase with time,payment history, clean CR's and good credit habits.

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 3
dtafoya
Established Member

Re: is my credit gonna plateau

cool thanks

Message 3 of 3
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