I realize there are 3 different credit reporting agencies but When I check my score it’s different depending on what online service I’m using for the same credit reporting agency. Why?
There are different scoring models (read the information at the link below). Also, different creditors may report to different agencies.
1. If you know you're going to pay the full balance each month, don't wait until your CC runs your statement. It reports that amount to the credit bureaus, which counts against your credit usage%. Instead, if your outstanding balance is for example $1,000 and the period ends June 25, then pay that balance (or a lot of it) June 23. Then when they run the report on the 25th, it'll show a balance of $0 on your credit report.
2. Always pay more than the minimum payment due--on credit cards especially, car loans, student loans, etc. Even rounding up to the next $10 makes a big difference in how credit bureaus view you.
The following web site contains suggestions for improving credit scores, most of which are the same on all of the other web sites that contain credit score improvement advice.
You know I am in the same situation as you are. And I am searching for an answers just like you. And guess what I found it out. So are you ready and here it is simply to apply for more loan. I was told that I have to have loans like real estates, car loan as well as some other item just to prove that you can manage those monthly payment.. You can call anything you want so they say but that's way it is Period. End of quote.
How else can I jump start my credit again.