161 People Helped
Member Since: June 2013
I started my credit one year ago, I have a cc from B ofA and have used it for a year, it shows an F for usages , and and A for PAYMENT , but I made the mistake of paying and 8,000 dollard account and my credit drop from 702 to 585, so I call Karma , they gave me a bunch of ideas , I did what they say, and its true , if you keep your usage below 30 % it will go up but jesus, it takes for ever, and about paying it of , its not a good idea, you should keep at least 5 % this have increase my credit up by 20 points in a two month period , I hope this helps someone out there.
santacruz12345's response was:
Im 65 my credit score is 698 everything is paid on time , never late, but they still say i'm D due to my year and eight months, can figure it out, also my score taken direct from the three credit companies are higher than shown by credit karma , . I know there are difference but a 30 points is a large difference when it comes to buying , I wish some one could fix the system to be easier to understand .