Pro tip: My credit score went from 620 to 690 in about four months

I started paying my card down to 10% of the limit before the statement even cuts. Anyone else see a big jump from just that one habit?

3 comments

3 Comments

michael_williams25d ago

Honestly, my score tanked after I missed a single payment last year.

tessap9725d ago

Yeah I read somewhere that missing a payment is one of the worst things for your score. It's like they weigh that super heavy compared to other stuff. I mean it makes sense from their side, they want to see if you'll pay on time. But it feels harsh for one slip up. I guess the system just isn't built for mistakes. Takes forever to build it back up too.

the_lucas25d ago

Ugh it's brutal. They treat a single late payment like you're a total deadbeat, even if you've paid on time for years before that. The whole system feels so unforgiving for normal people.