I've been using a credit repair company for a few months with great results so far. They've removed all my delinquencies (made stupid, costly decisions in high-school) from all three bureau's and are helping me with some credit inquiries right now.

My question is, I checked my credit score a few minutes ago on Experian and it's still below 700. Granted it used to be close to 600, but I was hoping now that the delinquencies associated with my credit report are gone that it would have gone up more than that. I have two credit cards that are in high-balance, although I always make more than the minimum payment and I have not been late on payments in years, could that attribute to the lower than expected score? Any suggestions on what I could do to help boost my credit? I'm 22 years old right now if that helps.

 

Listen to Dave Ramsey or call and ask him.

 

No expert here but it takes quite some time after "repairing" damaged credit for your score to show any improvement.
Basically they look at how much credit you have, it's history and what % you are extended.

 

if you owe less on the card that is better. ie available credit is higher so credit is higher. if your limit is $1000 keep the balance below $300-$400. so your available credit is higher than 55%.

 

They also look at your debt ratio. How much you make opposed to how much you owe. Keep your balances low once you have them paid and continue to pay them on time. You'll get there

 

what agency are you using?

 

You are young period. Ive never made a late payment on my CCs, I have 3, had 2 since I turned 18, had 3 small loans <5K, and when I went to get my loan for my new truck they were trying to give me 12+% interest rates and I was like "WTF are ya'll talking about I have perfect credit" what it boiled down to was lack of credit history, age and no big loans. The main killer was age they said point blank. Ended up going to my credit union and getting the loan for less then 7% and told the FU and walked out the door.

 

I've always had pefect(never been late) credit and multiple credit cards and loans. I was 25+ before my credit went over 650. At your age, you are doing damn well to be over 600 with your ugly past IMO. I'm still less than 750 right now due to debt to income ratio being 56% due to land investment and others. My wife's is over 750 and she made $3900 last year total and has $25K or more debt solely on her with no cosigners. She is 3 years older than me. More years borrowing with perfect credit. You don't even have to have an income. I make over $100k. The whole system is f-up. I recently learned it is better to pay off credit cards and cut them up but leave the account open rather than cancelling the card. Cancelling hurts your credit.

 

I just checked mine. I'm 23, in my last semester of school and have two credit cards. My credit score was 744... but I wonder if my lack of history will hurt me with vehicle loans...

 

Keep the cards; they want to see you have available credit. Like others said you are doing very well, how long has it been sense you fixed your credit?