improve my credit score to 700

How are you people building your credit scores. The only ways I know is to keep the balances on your credit cards as low as possible, be on time with all your payments. I’m paying off my car. Would you recommend any of those agencies that help lower your score, and why?

...at 645, for the last three months. Sucks that it’s not going up, but at least it’s better than having it drop.

Probably because I paid down a couple balances.

It dropped this month… to 637. I’m pretty sure it’s because the balance on one of my cards went way up, very nearly maxing out the card. I have to get that balance back down and not put anything new on that card!

Haven’t checked my scores lately. Maybe I’ll do that this month and see how much farther I need to go.

I would like to improve my credit score. At this moment my credit score is a 584.

Yeah! My score shot up to 645 from 594 from last month to now.

Went up more slowly than I thought it would… went up two more points this month, to 594.

C’mon, 600!

Went up 8 points to 592. I’m hoping to hit 600 next month.

2 months ago my score was 676.
1 month ago my score was 628.
This month it’s 584. sigh.

Mostly the reason for the drop isn’t that big of a deal, it’s just that I bought a truck (adding a lot of debt to my load) and opened 2 other accounts in the meantime, also (a credit card and a finance account at a furniture store). I’m told that once it’s clear that I can handle payments on these new accounts while keeping up with my payments on older accounts that my score will go back up.

The new credit card I got is pretty cool in that it updates you monthly (for free!) on where your credit score is at, and if it’s on the lower side, give (free!) advice on what steps you can take to raise it.