So I keep my cc balance at zero. If I'm understanding you correctly, I should report a balance every month? Then pay it off?? Thank you in advance for your help
What if I only have one card? Still keep that ONE at a low balance?? I have zero other debts on my reports. I have settled all my collections, all my negative accounts on my credit. I only have student loans, in good standing. I'm trying to boost my fico 5,4,2. What else could I do to rapidly increase those?
You can not rapidly increase your score,not even in 30 days. Make sure that you are realistic in expectations. I had to start over again from a chapter 13 bankruptcy. So, a public record or collection will take a few years. Student loan debt will need to be paid down.
I am encouraging you not to give up. On this website, go to the education tab and to estimate your Fico score. Be completely honest with your answers. Try different answers and see the possible results.