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
Janet2gle

0 Contributions
0 People Helped
Why only a 768 score with no debt ?
I opened several cards to receive promoninal discounts,have never used cards.

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7362 Contributions
3808 People Helped

Possibly, that's it.

You have credit available with the cards but don't use it.  Just use the cards periodically and pay the balance due when the bills come in so that the credit bureaus see you are using the credit. 

And, have you checked your credit reports lately?  Most credit reports have errors, which is why we are strongly advised to make an annual check of our credit reports to make sure only OUR information is reported.  Go to annualcreditreport.com and get copies of all 3 credit reports.  Check them carefully and file disputes on any erroneous entries with the credit bureau reporting same.  They then have to either verify or delete the entry.  This can end up causing an increase in credit score. 

Top Contributor
199 Contributions
216 People Helped

Could also be the length of credit history. If yours is short then it could affect your score as well.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

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.