Consolidating debt credit score


18-Jan-2017 09:18

What you might not know: Even if you pay balances in full every month, you still could have a higher utilization ratio than you’d expect.That’s because some issuers use the balance on your statement as the one reported to the bureau.

consolidating debt credit score-42

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If lenders are using the newest forms of scoring software, then you have 45 days, says Ulzheimer. Older forms of the software won’t count multiple student loan inquiries as one, no matter how close together you make applications, he says.

“Credit scores are determined by what’s in your credit report,” says Linda Sherry, director of national priorities for Consumer Action.

If you’re bad about paying your bills — or paying them on time — it damages your credit and hurts your credit score, she says.

The solution to improve your credit score is to gather up all those credit cards with small balances and pay them off, Ulzheimer says.

Then select one or two go-to cards that you can use for everything.The longer your history of good debt is, the better it is for your score.



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