if my credit score is lower than 620 and im paying items what is the average my score will go up for each item

Unfortunately, that's not how credit scores work. There are just too many variables to answer this question. Paying off an old debt can actually cause your credit score to drop in some cases, so you shouldn't just assume that once something is paid it will improve your score. Have you pulled your credit reports to see exactly what negatives are bringing your score down?

i'm so glad you answered that way, joshua. i see posts all the time telling people that they'll improve by 10 points for this, 15 points for that; when in reality it's the preponderance of information that affects the scores the most.

i've found good results, by the way, with clients of mine who've paid off collections and charged off accounts. obviously, these people are also in the mode of inhibiting credit inquiries, maintaining their good accounts with low balances, etc. in other words, they're doing all the right things as well as repaying the old, bad debt.

I had some trouble with my ex leaving me with no help paying the rent so the credit cards got behind by more than 60 days I have paid all threee cards off and am paying off the 4th and last one. My credit score is 588 because of late payments. How can I bring my credit score back up to the 800's like it once was?

Hi Cindy!

Welcome to forums!

You can check out the given page in order to know some steps to improve your credit score:
http://www.mortgagefit.com/credit-rating/credit-repair.html

Feel free to ask if you've further queries.

Sussane

cindy, i hope that you have kept those three cards you have paid off open. having available credit and using it sparingly is a definite credit enhancer. once you pay off that fourth card, it will honestly pay off for you as well, if you keep them all open for future use. at this juncture, as you know, there's great hazard in using credit. so here's the key: use them sparingly, as i said, and pay off the entire bill when you receive it rather than pay any interest. if you charge $25 somewhere, make sure you pay that bill when it comes...continue using your cards in this fashion - it will help you rebuild a good credit record, and it will also keep your available credit large, and that's favorable too.

from the 500s to 800 is a big jump, so don't get discouraged as you find it's slower than you'd like. just keep at it and you'll find the scores working their way up eventually. if you can avoid seeking new credit at all, so much the better. don't be afraid, however, to seek out a car loan when you need a car; or a personal loan if you need that...these things do come up in life, and there are necessities that occasionally require us to use a good portion of whatever credit is available to us.

since you've learned your life's lesson in credit, it ought to work out well enough for you as you do continue to use credit.