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Originally Posted by Payn_it>>>
I got the car on the account showing all the way back to august of 05 with no lates at all. yet my score is still hovering around a 570. Any suggestions?
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Any recovery after adding the missing account would have been immediate. Are there any other negative remarks on your credit report? What else is showing on your credit report? If you list the type of account, date of opening, balance, and limit we can help determine if that 570 is accurate and what you can do to improve it. It is possible that your account only recovered 30 points depending on what else is on your report. Given your age, this is actually the most likely scenario, because you have limited credit history.
Though, as I'm sure someone will add: Your credit score only really matters if you are going to apply for new credit somewhere like a car loan or mortgage. Many people obsess over it needlessly when they aren't planning on getting new credit any time soon. If that's the case, you should be focusing that energy toward getting your budget and spending under control, no improving your credit score.