So while you're working on your credit score, what you also need to be working on is paying that debt down and as you pay the debt down, that will help your score increase. And why are we talking about debt? Let me go there. Let me talk about what debt really plays a part of your credit score issue. Revolving credit, revolving credit. I'm talking about credit cards. I'm talking about store cards. I'm talking about your gas cards. This is the type of stuff I'm talking about. This is what affects your credit score more than anything. Does your car (0 comments)