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Question By
pacejoey

17 Contributions
19 People Helped
My score has plateaued at 686 and so what is next? My score has increased 150 points in 10 months.

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Top Contributor
7368 Contributions
3810 People Helped

You have obviously been following the advice on this site to improve your score so successfully.  Congratulations on the improvement!!  Keep up the good work!  Apparently there may be some negatives on your credit report (late payment, collections, etc) that will take a few years to fall off.  So your score may stagnate for a bit.  As long as there is no significant drop, don't worry.  Things will improve over time, and patience is necessary. 

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