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21jojo

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should i apply for another cc to help raise my score 638, i have two cc and two installment loans?

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NO DON'T you don't want to over extend yourself because every line of credit you apply for dings your report 5-7 points with a hard inquiry....that last 2 years just pay what you have on time even if its the minimum but preferably in full for CC's and also for credit cards keep your utilization between 1%-20% ie $500 limit use between $5-$100 once every couple a months at minimum to show good standing but can be used every month as well...to increase payments made and in 6-12 months after getting the line of credit and paying on time and keep utilization low you should see drastic improvement 30+ points

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