Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
southerngladiator

0 Contributions
0 People Helped
Stuck at 660 FICO -- how to boost it?
After getting laid off several years ago, I let a couple of debts go into collections and missed a handful of student loan payments, and I'm still trying to bounce back. I paid 2 of 3 charged-off debts. I opened a credit card 2 years ago that now has a $1,300 limit, and I pay it off every month or carry a small balance (under $50). I haven't missed any credit card, student loans, or other payments in 3 years. My FICO score, however, has been stuck at 660 for months and months.

After the initial hit of a few points due to the hard pull on my credit, would getting another credit card (used sparingly and paid off every month) help bump up my FICO score? I'm trying to break into the 700s.

Any advice for me?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.