The Same Thing - Credit Score not Rising. What Can I Do?

[rudy]

Ok, every credit card is paid in full except 2, balance s of 1800 of 3600 and 2100 of 2800. My motorcycle has 12,000 remaing balance. Currently bought a new house for 75,000. paid two payments before the first payment was due. I have 2 collections, one paid in full and the other I am disputing the date and amount. A chapter 7, which is due to come off next year. thats my credit 

My credit usage is below 30 percent for the total amount of credit that currently have.

credit score is not rise  above 678, the highest. what can i do

[Jnbmom]

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@rudy wrote:

Ok, every credit card is paid in full except 2, balance s of 1800 of 3600 and 2100 of 2800. My motorcycle has 12,000 remaing balance. Currently bought a new house for 75,000. paid two payments before the first payment was due. I have 2 collections, one paid in full and the other I am disputing the date and amount. A chapter 7, which is due to come off next year. thats my credit 

My credit usage is below 30 percent for the total amount of credit that currently have.

credit score is not rise  above 678, the highest. what can i do

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You could pay down those balances and just leave a "small" balance on one. The collection is also weighing down your scores .