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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?

Established Member
Posts: 24
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.

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
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