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I'm trying to improve my credit score so I can qualify for a loan with
low interest rate. In February/March of this year, I got my credit
reports. There were some collection items on the reports (mainly
medical) that happened while I was layed off and going through a
divorce. I paid off all the items. Today I went and checked the
report, some of them have improved. The Equifax credit score did not
change. Why is that?
Also, some of the negative items that I paid off, did not show as "paid
off" in the TransUnion report. Why is that? How long do the credit
agencies take to update such items?
What do I need to do to improve my credit score? I get conflicting
advice as for the use of credit cards to improve credit score. I've a
few credit cards. I use only one them so that it is easier to track.
Do I need to use all the cards and maintain low balances on all of them?
Thank you in advance for any advice or help.
Regards,
NJ
cat @yahoo.com >> castellan2004-gen
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Improving Credit score
