7 Reasons Your Credit Score Isn't Going up ...


Money experts recommend checking your credit report and credit score at least once a year. This way, you know where you stand credit-wise, and when you're ready to apply for a loan, there aren't any surprises. But if you check your credit score this year, and notice that your score hasn't changed from last year, you might be confused. Several factors play a role in credit scoring, and there are good reasons why your score isn't improving.

1. You Don't Use Credit

Having a credit card isn't enough to build a high credit score. You have to use credit to improve your credit, or else creditors will view your account as inactive and stop updating your credit report. Even if you prefer not to use credit, make small charges every few months and then pay off these charges. This keeps your credit account active.

You Don't Have a Good Mixture
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