My FICO score seems stuck

[GFT]

I used to be late on credit card payments all the time. My score was in the mid

500s. But I stopped that and paid my debt from $24,000 down to $2,000 now.

My score is higher but now it seems stuck at 650. My balance to limit ratio on

revolving credit has gone from 99% to about 20%. My most recent 30 day late

went from "now" to "10 months ago". Why do you think my score has stopped

rising the past 4-5 months? I thought that balance to limit ratio was a big factor.

[direred]

It is, but the relatively recent late is a bigger factor. It'll go up over time.