That's not my experience.Sternchen30890 wrote: ↑ But you get a small boost every month for making your payment?
Making every payment as required is the normal expectation -that will just keep your score where it is.
If you miss a payment, that will drop your score for quite a while and it takes time, with no missed payments, to recover.
I monitored my score closely since January of this year - checked every time there was a change in score to see what caused it.
The biggest positive change was dropping my utilization by paying off some accounts.
I have never missed a payment on any card or loan and that just kept my score the same