how come my credit score never goes up

[Anonymous]

hi i am new here

and just looked at my cr,

2 of them say 723

and the other is 762

but like 2 months ago

2 of them said 726

and the other said 765

now i have 2 american express that i use

one is platinum with a no limit on it long as i pay at end of month which i always do(is this bad?)

then i have an american express blue hard with an 11000  cl i owe 3500 on this at the moment

and a chase with a 13000 limit and i owe 500 on this

why wont my credit score go up i am buying a car in 2 months

and i would like a awsome credit score

can some one help me here

thanks

jeff

[Junejer]

Hi jeffny, welcome to the forums. Please read credit scoring 101 for more information about scoring. For best results, get one of your cards to report a $0 balance. You accomplish this by paying to $0 a few days before the statement cuts. Get the other one to report a balance between 1-9% of your CL. I believe that you will probably see 15-30 points for that, as long as you don't have any derogs on your reports.

[Anonymous]

Welome to the forums!

Don't panic your scores are fine... you should get prime financing & qualify promo deals. Your uti (balance vs credit limit) may have changed this billing cycling from last months which would explain the minimal change you see. Any score over 720 will get you prime rates but try not to charge more since that raises your uti. 

[laz98]

did you get your scores from here?

[Anonymous]

No but I get my scores from amex
They provide me with. Credit secure

Message Edited by jeffny09 on 12-03-2008 12:55 AM

[llecs]

---

jeffny09 wrote:
No but I get my scores from amex
They provide me with. Credit secure

Message Edited by jeffny09 on 12-03-2008 12:55 AM

---

Ignore Credit Secure scores. They are fake scores or what we call FAKO scores. Your CS scores can go up, while FICOs go down and vice-versa.

My last CA was removed over the summer. My EX FICO score went up 58 points. My EX FAKO, from TC I think or CCT, dropped 8 points. Go figure.

[Anonymous]

So then where do u suggest I gpo get my credit score from?

[laz98]

the only place to get your REAL scores from is here, from myfico.  look for a discount code, should come to $40.

[llecs]

---

jeffny09 wrote:
So then where do u suggest I gpo get my credit score from?

---

The only place to get your FICO score from all 3 CRAs is this site. You can get your EQ FICO also from Equifax.com. If you order your report you can opt for a credit score and that is a FICO score. TU offers a TU FICO score from transunioncs.com. And EX I believe can also be obtained from PA State Employees' CU, from what I hear.

If relying on a score, it should be a FICO score. Lenders use them. No lenders use TC scores, Credit Secure scores, Credit Karma or all the other ones out there.

[MidnightVoice]

---

@Anonymous wrote:
No but I get my scores from amex
They provide me with. Credit secure

---

I have had credit secure for a year, and the scores do not seem to change.  And if they do, the changes bear no relation to my real scores at all!

Message Edited by MidnightVoice on 12-03-2008 04:06 PM