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100% on-time payments; low score?
I have two credit lines and paid all payments on-time and I also pay them 15 days ahead of the due date. I don't understand why my credit is so low? Thinking that my score would be excellent, for paying off both debts on-time, I'm denied every time when applying for credit?
Asked by
sarahosweat
6 months ago
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You have personal lines of credit. You need to build up your credit and credit mix. Apply for a secured credit card ( Orchard Bank or Capital One ). Once you have it keep the card balance below 40% of the limit at all times and your credit score will start rising. Read all you can under credit scores on this site. Good Luck
nandog 6 months ago
how many inquiries do you have? More than 2 in the last 24 months, and you're hurting yourself.
how high are your balances? If you have more than 25% of your credit lines used up, you are hurting yourself.. how long have you had your credit lines? less than 2 years, you are hurting yourself by asking for more credit...
Also personal credit isnt like business credit... with business credit, the faster you pay off the line the better... not so with personal lines...
paying 14 days early is great, but as long as you pay at least the minimum before the due date, the effect on your score is the same... you could pay the friday before the due date, and have the same effect on your scores...
Also, you have 3 credit scores, not just one... check all 3, you may not be in as bad a shapoe as you think...
matman1490 6 months ago