Hello there I have a very low FICO score because of mistakes I made 3-5 years ago. In the last few years I have always made at least minimum payments and have all my creditors reporting an R1. I am just wondering why my score is still so low and how many points are gained for making regular payment.

I had to file bankruptcy about 4 years ago, and now I see that my FICO score is still low. I am looking into buying a house and need the lowest interest rates.

I recently turned 18 and I have 2 credit card accounts. I am a secondary account holder for both (which still does affect my credit score). I have made sure to make full payments every month for them. I want to maximize my credit score, so should I close an account and open up a new account where I am the only account holder? Would closing my credit card account affect my FICO score?

What is the minimum FICO score in order to be approved for a Sallie Mae Career Training Loan without a co-signer? Also, are other things such as income taken into consideration if I have less than perfect credit?