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2IMPROVE wrote:My score went down from 646 to 641 I am trying to improve my credit, and I have a target account that has not showed up on my report yet, so it will probably drop againCan someone tell me how long it will take before the new cards start increasing my score.Credit Picture:BofA Visa $2000 $193.00 bal since 2/07HSBC Visa $300 0bal since 4/07HSBC MC $750 0bal since 6/07Jc Penny $150 (AU) 0bal since 6/07CA $218 PAIDCA $199 PAIDMortage current for 2yr sent GW on old historyCar current 2yr sent GW on old history3 Paid Tax Liens