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olveda210

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why is my credit score going down?
I want to know how to bring up ,my score and avoid it to go down?

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Browsing through your CK data usually gives you enough clues, but here are some to reflect upon...

  • Pay your bills on time. Always. One late pay severely drags down your score for a long time.
  • Carry small balances on your cards. Your total debt should be less than 20% of your total credit limits.
  • Do not cancel cards. Use them once in a while so the company does not cancel them for non use.
  • Do not reduce the credit limits to your cards.
  • Do not apply for unnecessary credit.
  • Don't ever let anything go to collections or judgements.
  • Time. Doing all the right things over time your score will increase.

Oh, and don't co-sign for anyone or leave a bank owing them any charges, like account fees or anything.

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