Credit Score is 605?
Also i have 3 credit cards and they were all pretty close to being maxed out
I also got a new car because my old one got totaled so i had alot of dealer hits on my credit.
Ok so now to the question, When I got my taxes back I paid off the judgement amount of 375 plus i paid off the remaining medical bills I had of 400 dollars which took care of all of my medical bills and i didnt settle with them because i heard that was bad for your credit so i just paid it in full with the collection fees and all
so anyway i also paid my credit cards down to 200 dollars each so i can prove that i pay payments on time
so i checked my score last month it was 585 and today it was 605, do you think it will go up more since i took care of my debts
I also wanted to mention that I ALWAYS pay more on my credit cards than the minimum
is it a good idea to pay a couple dollars extra on my car payment each month or does that matter?