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 14 years ago '04        #21
fulgazey 
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Credit is a powerful thing and don't take it lightly when your score is low. Each positive month on your credit history is like a 10 point month. Your score is the past 84 months of your credit history. If you have alot of consecutive good months while your bad months are rolling off of that total your score can make dramitic increases in a 8-10 month span.

Alot of credit card access can also be bad. If you have "liquid access" to a large amount of money banks consider that as debt because you can incur it at anytime you please. When you have cards that are old and accounts you don;t use if you don't need the tradeline open close it. It helps your total outlook.