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timmy4515

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I have not been late on any paymets, way is my credit score going up

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dry127

apply for more credit cards but don't use them.  In a couple of months after you've increased your credit availability, your percentage of credit utilization will drop, which will increase your credit score.  However, applying for more credit cards will create more inquiries which will tend to lower (slightly) your credit score and usually for just a short time, so it is important to apply for all of your increased credit at the same time.  Also, apply for a home equity loan or other loan and not using the credit line will do the same thing.  The point is, that you need to double or triple your available credit, without using it, so your percentage of utilization will decline.  You also do not want to have any balances, if possible.  Pay them off every month.

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You WANT your credit score to go up!!!

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Since you do not have a good understanding of how credit works and how to make yours better, I do strongly suggest you get busy reading the articles on this site and utilizing the financial tools so you CAN learn. That is the purpose of Credit Karma....teaching people about credit.

Reply by
cjareston1944

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I have never been LATE with Chase. How do I fix this?

Jim

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