Credit Advice

I find myself in the same situation. I can simulate things that brings it down, but can't seem to find a way to pull it up.

Much of that may be that with my current situation, I may be maxing out what I can change (score component for utilization, on-time payments, etc).

The items holding down are aging, and over time, they will have less of an impact and my score will rise. And, as time goes by, the average and longest length of time of my credit will also increase.

The only thing that I can think of is that you may just have to wait and let it grow over time. The time component plays a big role in the score, and there is no 'quick fix' for anything with that.

I was playing with the simulator and the only thing I found to bring it up is a mortgage. I have a 624 and we just paid our truck off; which is why I got low credit to begin with for about 2 years I was late every month due to job loss. It almost got repoed but the last 3 1/2 years haven't been late even once. Now it's paid off and my matercard had a limit of $300 (never late on it) for about 7 years then they raised it to $5,300. I'm still not late on it but am trying to keep some sort of small balance and pay it off in a couple months then put some stuff and pay it over again. I put in the simulator that 2 years of no late payments and that lowered my score. It doesn't make sense to me either. An auto loan lowers your score too. I did find the mortgage raised the score but it was $150,000 mortgage I entered to get it to raise like 10 points 65,000 only raised it 1 point. Good Luck :-)