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I don't understand....
I just don't understand what is wrong with the system I'm using to lower my debt and raise my credit score. It would seem that I'm spending every dime I make, and using every car as irresponsibly as possible. In fact, I owe $1004.00 over all on the cards, I've paid ALL of my daughter's student loan ballance, I have $38000.00 left on the mortgage, I have no auto loans...or ANY other loans at all. I pay my bills on time and overall I'm pretty responsble for a 54 year old male. My score is 653 and dropping every time I check it. Last month it was 676...and I thought that score was too low for my activity....WHAT GIVES!? I don't ever give up on things......but this is making me think twice about the whole credit score thing.

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