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oldskoolG

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how can i raise my credit score the only think i see is bad is i cosign for my son on 2011 car

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Did your son miss payments on his car? If so, that will affect you. Do you have credit cards? If you're not using them every month, then they're not benefiting you as much as they should. If you're using them too much to carry a balance over 30% of your available credit every month, that's hurting you. This whole thing is a game. You have to make it seem like you're moving so the coach thinks you're hustling and won't sub you out. Get a card or two, use it, or them, for small amounts each month and pay it/them off completely (use autopay as they will take it out after they've reported usage to credit agencies and payment won't post late) and watch your credit rise in a year or so. It's really a short time and you will be in excellent territory within 18 months of just doing that. Make sure you're not late on other bills, though.

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Since the purpose of Credit Karma is to teach how credit works and how to improve your credit score, you would be wise to read the articles here and utilize the financial tools provided.  I did so and have benefitted from that knowledge.

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