Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 39
Registered: ‎07-17-2012
0

CS not moving. What gives?

I have managed to get my score up to a 652 but hasn't budged in months! I use my 2 credit cards and pay them completely off every month. My bills are all on time what else can I do?
Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
0

Re: CS not moving. What gives?

Are both cards reporting a $0 balance on your report?

If yes

Try to leave a small balance on 1 card between 1% - 9%. 

*8/10/13
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: CS not moving. What gives?

What are the negatives on your report?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Member
Posts: 39
Registered: ‎07-17-2012
0

Re: CS not moving. What gives?

I had bankruptcy one year ago
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: CS not moving. What gives?

Valued Member
Posts: 25
Registered: ‎03-26-2013
0

Re: CS not moving. What gives?

I am in a similar situation.  I filed BK eight years ago, and I started monitoring my score two years ago.  My EQ is stuck at 714 and TU went from 707 to 711 during that two year period.  During these last two years I have paid back $50,000 in student loans and my scores won't budge. 

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: CS not moving. What gives?


WhiskersTheCat wrote:

I am in a similar situation.  I filed BK eight years ago, and I started monitoring my score two years ago.  My EQ is stuck at 714 and TU went from 707 to 711 during that two year period.  During these last two years I have paid back $50,000 in student loans and my scores won't budge. 


The higher your score the harder it is for bumps.  Once the BK is removed it will move up.

Highlighted
Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

Re: CS not moving. What gives?

You have not disclosed, do you have other late payments, charge offs, or collecitons?

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.