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Why does it take so long to rebuild your credit if you have restablish it for the last 2 years

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Anonymous
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Why does it take so long to rebuild your credit if you have restablish it for the last 2 years

I have been paying all my accounts on time about 2 years now its almost time to reinance so I can get a lower interest rate but my crdit score keep going up and down first you say if you paid your card off the credit score want grow
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Anonymous
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What does the FICO Score Simulator suggest is your best a...

What does the FICO Score Simulator suggest is your best action?
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