In October of 2014 I had a score of 590. I was not worried about it before that as I never needed to buy anything. Well I knew that eventually I would want to buy a house. So i made it my Mission to improve. All I done was pay the bad old off which was not that much. My bad credit was due to more lack there off with little bad. I got a Credit card that had a annual fee. I never used it. I also got a secured load from my credit union.
Then it started to happen.
NOV 14=593
DEC 14= 622 When i paid off the bad I had which was one credit card and a old light bill
JAN 16 = 624
FEB 16= 636
MAR = 638
APR = 670 ( that one card that I never used got a limit increse to 1500)
MAY = 673 (bought wife a car in my Name)
JUN = 670
JUL= 664
AUG = 664
SEP= 666
OCT= 667
NOV= 676
DEC=670
FEB=671
MAR= 678
APR= 680
MAY= 714
JUN= 727 (now buying a house and getting a 3.65% interset rate. Could not be happier)
I have 6% credit useage and working on continuing to build)