Help Raising Credit Score Fast

[mspenny]

I have 3 credit cards, a car note with Chase, and a student loan. I recently paid off all card balances; never late. I also have a BK7 festering from 2014. What can I do to raise my credit score as quickly as possible.

[JVille]

What are your Mortgage Scores? Have your pulled a 3 Bureau Report? If you paid your only 3 CC completely off????? If so let one of the Card have $10 owing as a balance and the other 2 have zero. Weird as it may sound that will help your score.

[mspenny]

No mortgage. That went in the bk 7. all scores 630s-650s. I will use one card for gas and you're saying leave the balance for after statement date then pay?

[HeavenOhio]

Yes, exactly. If your balance is a little high before statement time, make a payment to your desired amount, then pay in full after the statement cuts.

[mspenny]

Thanks HeavenOhio. I plan on PIF and keeping balances at 0 now that I have them paid off unless an emergency requires otherwise.

[JVille]

Yes just a small balance

[JVille]

One card must have a small balance! Weird but important