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My FICO score seems stuck


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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.

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