Valued Contributor
Posts: 1,274
Registered: ‎04-22-2013
Re: Stuck at 630

User8675309 wrote:

 

I make 45K, and owe 164K on my home.  Only (2) 30 day late pmts in a six year period.

I have no other loans or debt.

I have (1) secured CC with a $300 limit. Always paid on time. Low $ usage. Have had acct for 2 years.

I have (1) non-secured CC with a $300 limit.  Always paid on time. Low $ usage. Have had acct for 1 yr.

One acct in collections from 2010 for $600.

 


 

Your revolving credit limit is very low and few. Ask for higher credit limit, add a few more credit cards and maybe an auto loan.