it does,thank you very much.

"...so i max em out ordering parts on the internet every two weeks..."

So, what you need to do is call both of your credit card companies and find out what date they report your account to the credit bureaus. For me it is the statement date. Then just make sure that your balance on your accounts is below 10% of the limit of each card by that date.

For me it takes 2 business days for my payment to be posted to the credit card account from bank account. Find out how long it takes for you and add an extra day to that just to be on the safe side.

Then sit back, relax and watch you score go up :-)

I hope that helps.

thanx for the reply, my cards are 1000 unsecured and only 300 secured,i pay them off bi weekly with my pay.i'm fixing up an old car so i max em out ordering parts on the internet every two weeks but pay them off right after.how do i know the credit card companies send out a report so i can leave a zero balance on it .i just need a a rough idea and don't use the cards for a week or so.

You have 2 credit cards. What are the limits? What are the balances?

This limits divided by your balance is called credit utilization. This is a very important factor in your credit score.

Example:

credit card 1 limit = $1000, balance= $500, credit utilization = 50%
credit card 1 limit = $1000, balance= $100, credit utilization = 10%

What you need to do is keep your utilization under 10% on each card every month. If you do that you will see your score rise quickly. But, make sure you have a small balance (under 10% of the limit) on each card every month. Then pay it off before the day it is due so you don't pay any interest.

This shows that you are using credit wisely and you will see your score rise.

Good luck!

i have paid all my debt as of june 08,bought a new truck made all my payments,have an unsecured credit card and a secured and pay every card on time.my credit score was up to 590 then in three months dropped to 580.my past credit history was a credit card that went through the court and i was garnished for 2500,and a whole slew of late payments.i had credit the whole way through and paid allmost 40k in debt off in a year.the onlyway i'm still getting a bit ofg credit is i make good money.i want to get a mortgage so my credit score needs to be at least 600,what am i doing wrong?