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ramdom

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I owne my house and have 20,000 but dont use credit. My score is 653. any sugestions?

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If you have no need to apply for credit then your score doesn't really matter and it can stay at 653. This score is average and unless you have a criminal record, bankruptcy, foreclosure, reposession or eviction on your report you should be OK on employment screenings and rental applications.

If you want to improve your score anyway, then you likely need to start using credit. FICO is a measure of how you use credit and your credit worthiness. If you make your mortgage and car loan payments on time, then that's great, but those are only two types of credit. You might need to diversify. Consider a credit card that you use only once in awhile for small purchases. You can pay it off every month, but this would at least show that you're responsible with credit lending.

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