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If all my bills are paid on time , why hasnt my credit score gone up
I have paid everything on time , even more than my minimum payment and in the last month my credit score has not changed at all, it was increasing for a while
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rafterkfarms
6 months ago
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If you are not paying all your bills in full i.e. jsut paying more than the minimum payment, then your debt is increasing. that would lead to lwoeringof score. But in reality w3e cannot tell you -- you can, hwoever, by examinining the changes since the last time you looked at your score.
ladald 6 months ago
Paying your bills on time is only one factor in your score (a big factor, but far from the only one). Have you been charging more on your cards -- thereby increasing your percentage of utilization? Have you closed any accounts lately? Have you applied for any new credit, which would put a "hard" inquiry on your record? Take a look at your CK credit report card. The details there will probably show you that some negative factor (large or small) is affecting your score.
Clairissa 6 months ago
Thank you , I have paid off my credit cards but not closed them. I have been charging my bills to one of them then paying it off every month...
rafterkfarms 5 months ago