How to improve my credit score? Over time..2-3 years, it’s same?
I don’t have too many mortgages to pay. Just 1, for 700$/month. And i use my checking account to pay. My question is, if I start paying though my credit card, will my score improve? I have never paid any bills late, and credit report says, there is no positive record.
Please advice. thank you
I agree mostly with both of the first 2 posters, your mortgage should be a huge help as long as it shows on your credit report and if you use your credit cards every month for little every day thing, never exceed 30% of your credit limit in any given month and pay in full by the due date your score should shoot up fast.
I did this with 2 cards and my score went up over 150-points in 12-months.
Good luck.
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Is your mortgage loan on your credit report? That should be a positive. Do you have any credit cards? If so, make an occasional purchase with them and pay the bill as soon as it comes in. That will build a track record over time.References :
You need at least 3 trade lines on your credit report. Loans, credit cards, etc..
You also need to keep your balance at less than half of your credit limit.References :
I agree mostly with both of the first 2 posters, your mortgage should be a huge help as long as it shows on your credit report and if you use your credit cards every month for little every day thing, never exceed 30% of your credit limit in any given month and pay in full by the due date your score should shoot up fast.
I did this with 2 cards and my score went up over 150-points in 12-months.
Good luck.References : Finance Manager for over 8-years.