🌠 Gallery

How Credit Scores Rise and Fall

📉 Credit scores rise slowly but can drop all at once. Slow to rise — use less of your limit and pay on time, and you’ll gain 8 points a month. Raising your score by 80 points takes ten months. Fast to fall — one late payment can cost 250 points, and getting them back takes 32 months. It takes 12 months of on-time payments to gain 96 points. Is this true? We test four common claims, like “Never getting a card gives you the highest score.” ⚠️ This isn’t a real credit-scoring formula, but an educational weighting model showing what moves in which direction and by how much.