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lvoight1

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I have paid off the bal. on both of my cards, how long will this take to get a better score

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Need to carry a small balance under 30% of each cards credit line. As you carry the balance you can still use each card but try not to exceed/utilize more than 30%. Do this for 6 months and your credit score will jump significantly. This will show responsible managing of your credit for a period of time worthy of a score increase. Just maxing out your credit cards and paying them completely off will not help you. Its all about time. If you follow this advice your actual credit card company will feel your less risky and increase your credit line and the new credit will be a great help in increasing your score. 

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