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Tropicalia

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How do I improve my credit score?
I don't have any past due bills, I do have a bankruptcy 3 years old, and yes, my credit cards are almost maxed but I pay at least the minimum on time every month. help.

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Credit Karma Team
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Hi Tropicalia,

Your credit card utilization rate is a significant factor in your credit score. So long as your balances remain over 30% of your available credit limit, your score will be likely be penalized. Depending on your history with the card issuer, they may be willing to increase your credit limit.  Be sure to pay your bills before the due date, as late payments are another major factor in your score. 

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