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huaandtian

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I pay every month on my cards why is my rating only fair
Several months ago I was at 720 rating now im at 688 I don't understand it, how can i get it back to 720

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Do you keep any balance on your credit cards?  If not, then start keeping a balance of 1-3% at all times on one of the cards and your score will increase.  Without seeing a full credit report, can't really give any further advice.

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Only fair???

I have 2 credit cards & owe less than $500 between them. I pay every month, on time & yet only have a fair rating! Seemed like when I owed more I had a better rating. What am I doing wrong?

Paulette Ward

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