My credit score jumped up 25 points in one month. What could have caused that?

I went bankrupt about 4 years ago, and ever since then i%26#039;ve power-applied until I had a few decent credit cards that surprisingly offered me credit at the time,and I obvoiusly took a huge ding for inquiries. However, ever since then my score has been everywhere from 549 to the lower 600. Today it stands at 674. It just moved up from 648 ish last month, that%26#039;s just transunion%26#039;s figure.

Obviously right after the bankrpucy my score was pitiful, but today as it stants around 674 ish, is this considered a more fair score?

And how long will it take for my score to jump into the 700s?

Also, what did I do RIGHT, to have my score move up so suddenly?

I do pay ALL my bills on time, and either in full or MORE than the minimum. Oh and one of my cards carries a balance on it thats pretty high about 70% of the total limit, but that doesn%26#039;t seem to be hurting my score at ALL, its almost like its getting higher if anything.

Oh I guess my cards histories are aging too.

Any ideas?

My credit score jumped up 25 points in one month. What could have caused that?credit counseling

You%26#039;ve established positive history and your bad debt is aging. Something probably hit an anniversary and went from 2 to 3 years or something that was showing past due aged off your report. The way to continue to improve your credit is to keep your carried balance below 20% on all your cards, continue to pay all your bills on time and pay more than the minimums. I know you said you%26#039;re carrying a balance of 70% on one card, and its %26quot;not hurting at all%26quot;, but its not helping either. I bet you anything if you dropped that balance to 50% or less your score would jump up by quite a bit again.

My credit score jumped up 25 points in one month. What could have caused that? loan

Only one idea and that is that if you continue to carry that one credit card at 70% it will drag your score back down a few points.

Juat keep doing what you are doing it seems to be working. Credit scores can change many points in either direction in a reporting cycle without rhyme or reason.