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CS not moving. What gives?

Valued Member

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?
7 REPLIES
Valued Contributor

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

Re: CS not moving. What gives?

What are the negatives on your report?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Member

Re: CS not moving. What gives?

I had bankruptcy one year ago
Epic Contributor

Re: CS not moving. What gives?

Valued Member

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

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

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)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience