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Rayne711

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How come my credit score inst increasing?
I've paid off an auto loan early...got credit card and pay off every month...ahead on my student loans...8 inquiries have come off and the score is NOT improving at all

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Top Contributor
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Paying off an auto loan will lower your score a little bit. Fiscally sound actions are often not the best thing for your score. It stinks and is counterintuitive, but that's how it is.
With the credit card, try paying it off on the due date, but then just after the due date purchase something small and make sure the balance is less than 10% of your total credit line at the time it gets reported to the bureaus. You say you pay your card off every month, but what is the balance when they report a few days after the due date? Is it heavily used by then, or is the balance still zero? NEITHER of these is good. If there's no balance showing there's no way of knowing if you actually use the card or if it's sliced up and in the garbage.  Pay in full by the due date to avoid interest, but charge a little bit before reporting to show it's active.

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