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Part of the reason why it is so low is from delinquent payments about 5 years ago. I paid it all off about 4 years ago and just didnt feel comfortable applying for any credit. Since then, in the past 8 months we have gotten comfortable with our finances and decided to start repairing our credit. Our income has been stable for about 3 years and made it easier to qualify for loans and credit cards but those accounts are very new so I'm guessing they haven't made much of an impact on our credit profile yet.

Not enough information to conclude why your credit score is so low, unless there's still some negative stuff on there. But yes, if you pay everything off for the next 2 years, it should be in the mid to upper 700's by then, assuming all the negative stuff is gone. Note that it takes up to 2 years of diligent payments on an account before its contribution is fully realized on a credit score, and your utilization rate is below 30%.

So when I was younger I had some credit issues and since have settled it all up. I have a 10,000 car loan now and a 1500 personal bank loan as well as 1 major credit card and it has a balance of around 10%. My husband and I plan on buying a house when our RRSP investments mature in 2014 and are trying to make our credit profile more appealing. As of 3 months ago our score was about 590. I guess my question is, if all loans and credit cards are paid on time and in full each month for the next 2 years, how much will it affect our credit score? As of right now, our current credit report only shows the accounts I have previously listed as the other discrepancies have fallen off.