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What else can I do to increase my score?
My score bounces from a low of 584 to 600 each month. In the past 1.5 years I have opened a secured bank loan, an auto loan about 5 months ago, and recently acquired a Cap1 unsecured card with a $500 limit. No history on the card yet. All payment history has been on time, nothing bad on the report for over 2 years. What else can I do to increase my credit score.
Asked by
GEORGE2002
1 year ago
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It takes time. A second revolving line of credit will also help.
Keep in mind that a new line of credit does not have significant positive impact on your credit until after 12 months of positive payment activity.
Also, the average age of your lines of credit comes into play, and as the average increases, so will your score (once they are over 12 months).
phnxangell 1 year ago
phnxangel your are incorrect once again. Please stop providing the Credit Karma community with false information.
After your first statement with your Capital One card is reported you may see a positive effect on your credit profile. It may lower your utilization, which will drive up your credit score. Make sure to make a small purchases on your new credit card and make your payments on time so Capital One has something new to report each month. Your average age of accounts will decrease which will always happen when opening a new account. But you should expect your score to rise.
diggsb4477 1 year ago