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It just doesn't go up. If you have always paid on time and kept your debt down, then your credit score will remain consistent. If you've had a few late months and paid on time for a while after that it can rise by as much as 30 points or more, but remember, credit is looked at over TIME.

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โˆ™ 2007-01-21 07:55:19
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Q: How much does your credit score go up if you pay on time?
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What can bring down your credit score?

you credit score will go down if you are not paying your monthly bills on time, in order for you to increase your credit score you have to pay your credit bills on time or in full.


What Credit cards will approve credit for credit score 544?

I dont think there is.. because in order for you to get a high credit score you have to pay on time or in full payment then to increase your credit limit you have to purchase more but you have to pay it in full. so better purchase on things that you are able to pay it in full. that will make your credit score increase. first premier will and if you pay each month on time in 6 months time youll see your score increase rapidly so it does help.


What are 3 factors that can affect your credit score?

If you are employed, how much you already owe, If you pay your credit obligations on time, and your debt to asset ratio.


does using my credit card improve my credit score or damage my credit score?

Using your credit card can go both ways! If you choose not to pay your bills on time, you will recieve bad credit. If you pay all your bills on time, I'm certain you will have a squeaky clean credit!


Do you loose you credit points if you had acredit card debt in collections?

Of course. Your "credit" score will be lowered if you become a debtor who doesn't pay your debts. Your credit score is based on your behavior as a person who owes money. If you don't make your payments on time you are a poor credit risk.Of course. Your "credit" score will be lowered if you become a debtor who doesn't pay your debts. Your credit score is based on your behavior as a person who owes money. If you don't make your payments on time you are a poor credit risk.Of course. Your "credit" score will be lowered if you become a debtor who doesn't pay your debts. Your credit score is based on your behavior as a person who owes money. If you don't make your payments on time you are a poor credit risk.Of course. Your "credit" score will be lowered if you become a debtor who doesn't pay your debts. Your credit score is based on your behavior as a person who owes money. If you don't make your payments on time you are a poor credit risk.


Can you pay to have your credit score improved?

You can pay a company that provides "credit improvement". However, the best way to improve your credit would be to pay down balances and pay your bills on time.


How long does it affect your credit score if you do not pay your credit cards?

As long as you are not able to pay on time your credit cards and you are not maintaining a good credit payment schedule, your credit score is affected. Therefore, you must pay or settle all your accounts with your credit card in order to have a good credit score. There are ways on how to do this. Search online , there are sites that give honest and effective advice.


Do you pay off your credit history if you have a insufficient credit score?

If you have n't a sufficient credit score, you don't pay off your credit history. It is impossible.


How many points will your credit score increase if you pay off your student loan?

Probably not very much. Credit scores are built around paying on time, how much you currently owe, and how long you've had credit. Paying off a loan won't raise your score much, but an on-time paying history for that loan will be a real good thing for your score and report once it appears.


Is 750 a good credit score?

Yes, you pay your bills on time, have low balances and have established credit


How do you raise your credit score fast?

The best way to quickly raise your credit score is to pay off all debts. Another thing that will help it to not drop is to pay debts on time.


How to bring my credit score up 60 points in 30 days?

The two biggest things that can hurt your credit score are not paying your credit on time and holding too much of a balance on revolving accounts. The best way to bring up your credit score 60 points in 30 days would be to make sure you pay all of your accounts on time and to pay down as many revolving accounts as you can.


How do you have a good credit score?

The easiest way is to borrow money in a variety of different ways (e.g. credit cards, car loan, store revolving credit, student loan, mortgage) and always pay on schedule on all these loans. Do not keep the balance on credit cards too close to their credit limits. Also if you rent an apartment always pay your rent on time.However remember that every time you open a new credit card or loan account your credit score will drop for several months, so avoid doing too much credit activity at one time.


What happens if you can not pay back a personal loan?

You may fall into the category of bad credit . Personal loans often concern with your credit score so if you failed to pay on time it would put a negative impact on your credit score.


How do you raise your credit score when it has been lowered due to credit inquiries?

Pay your bills. I don't know that a credit inquiry will lower your credit score. What does affect your credit score is not paying. Even if you pay late, it shows willingness to pay. But as far as someone checking your credit, I don't think that will actually affect your credit score. Pay your bills. I don't know that a credit inquiry will lower your credit score. What does affect your credit score is not paying. Even if you pay late, it shows willingness to pay. But as far as someone checking your credit, I don't think that will actually affect your credit score.


Do student credit cards help college students build up their credit and prepare for their future?

Yes and no, as all credit cards will help build their credit score but at the same time if they do not pay their credit bills it can hurt their credit score and diminish the amount of credit that banks will allow them. So, if they pay on time then yes it can help them build credit and prepare them for their future.


How much will my credit score improve when I pay 2 charge off accounts?

It won't much. Credit is built by the on time paying of bills month after month. Good credit takes a lifetime to achieve a high score. No one or two payments will cause it to increase much more than a few points.


Will your credit score go up after a cash out refinance on your home and you used the cash out to pay off all existing debt minus the house if so how long should this take?

For example, if your score is 600 and you have three credit cards with a house, your score may not change much because you are just exchanging one debt for another. The longer you pay on any debt, can help you increase your credit score. Increasing your credit score is a time sensative project.


How does one increase their credit score in a short period of time?

You can't drastically change your credit score in a short amount of time. I mean you could try to repay your debt; however, try to pay it back all at once because if you pay old debts back then it will look like you have worse credit score.


What does it mean to have credit?

If you have a credit that is not bad but you have to pay those credit within the particular time. When you apply for a loan for any purpose, the lender will look at your credit score to measure what kind of interest will chargeable for you. So credit score is important.


How do you raise your credit score without credit cards?

You have to have active accounts in order to have a credit score. Your credit score can reflect your payments history on installment loans. Pay whatever accounts you have in a timely manner. Control and limit inquiries. Stay away from finance companies. Your score will not be as high as someone who has revolving credit accounts and manages them well. But you will have a score that reflects how you manage the credit you do have. If you have a mortgage, car payment, school loans, and sometimes even cell phone or utility bills that you pay on time, that will raise your credit score.


Why is it important to pay your credit card bills on time every month?

when it takes you more than a month to pay off your credit card debt it makes your credit score higher


What can you do to help make your credit score strong?

The best pay to improve your credit score is to use your credit card (reasonably), and make your payments every time, on time. Paying for debts such as a loan, car payment, mortgage, and so forth will also improve your credit score. In most cases, the score goes up one point for every on-time payment.


Does auto loans improve credit?

yes of course but if you pay them on right time this will give you benefit to improve your credit score as well as credit history.


What is the concept of credit rebuilding about?

Someone's credit needs to be rebuilt after they receive enough negative credit report information, and their credit score drops. To rebuild your credit you have to make sure you pay all of your bills on time. If you have a credit card, you need to pay it on time every month, and stay below your limit. After maintaining good habits for a while, your credit score will start to go back up.