got score on 3/19 it was 647 from 3/19 to today, i paid off car loan down to zero (paid 19k), and im no longer over the max on two credit cards, but right at maxing out. and guess what all this did to my score an increase of a measly two points fico dont give a crap about what you do on installment loans. they care a whole lot of crap about what you do on credit cards.
yes, it shows those changes. but there is good news. i got a credit increase from one card from 2500 to 5000. i only owe 1k on the card as is. with some payments ive made in the past few days, my available line of credit will be about 35 percent on 15k. i know, not great. but at least not maxed out.
