Did you know that your credit score can be lowered without ever running late on your credit cards?
Fico will lower your credit score the more you owe compared to your credit limit.
Example, If you have 4 credit cards of 500 dollar limits and on 3 of them the balances are over 300 dollars and you are making the minimum payment,your credit score could be lowered. I recommend clicking here
and getting your credit report and monitoring and contacting me to help improve your scores