u/EnvironmentSoft8361

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I need help

I’ve been working on my credit recently and I paid off a huge amount of credit card debt which is why it went up so fast. I have a 96% payment history because I missed a total of 7 payments and the latest of them were in September of 2024 and since then I have been paying on time on auto pay and I have 2 auto loans and one of which will be payed off this year in September and the other will be another 2 years. I’m trying my best to raise my credit by September to upgrade to the sapphire reserved. Any advice would help also I understand the difference in experian and CK but will the gap always be that big?

Thank you

u/EnvironmentSoft8361 — 6 days ago