I pay my credit cards off every month. No change on my score I owe about $80,000 less than the average person my age. I tried to get an error on my credit report fixed years ago. The man that kept saying don’t worry about the nasty letters from the main branch, he was fired!!! We were making payments and didn’t miss. One month when the loan was reissued it says we were 120 days late, what? Explain how we never had a 90 day, 60 day and 30 days late? Just one month it’s reported we were 120 days late. I’m trying to work with a new person, but this was six years ago. I’m firing the bank, because of two other issues in addition to this one. But if you change credit cards, pay things off, want to get rid of credit cards you don’t use, it’s a kick on your score. If you’re a bank, you are in charge, and they still are in the 80’s in their thinking. I do have one bad mark that is deserved. We were scammed out of a good amount of money. My fault, I didn’t trust these creeps and I should have stood my ground. So yes, I have a bankruptcy. It said on my credit report that it was supposed to be taken off on 11/2019. It has not come off. Called and was told it would be on till 2022? Lost my husband and moved closer to family. House is paid off. I keep getting nasty remarks, on the report that I don’t have long enough credit history. Had to cancel a couple of cards because of thief. I wanted a new card issued with only $1,000 because of traveling to Mexico and didn’t want a $5,000 card that could be ran up by crooks getting an easy card to do it on. So it’s the same credit union, just a simple change in the amounts. And they run a credit report, that doesn’t help. I no longer, even if you will save 90% on your purchase, file for a credit card. I’ve tried to explain why I don’t want a new card, I get a look of amazement, how could you be so stupid? Never mind. What can I do to get my score raised? Ideas please?
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I moved about two years ago. I had credit before but it doesn’t seem to matter. I get dinged for short credit history? I have many open accounts but only have four with any activity and it’s a below 10% amount. I’m only at 703? Pay my bills on time and rarely carry a balance. What else can I do?
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