why my credit score is low

Can you give us a little more details about your debts so that we can help you out? Give us information regarding how many debts you have, how old your debts are and whether you're paying to your original creditors or collection agencies.

Please give the details.

You need to give us more details on your credit, and debt so that the members are able to help you in your problem. How many debts you have, and what kinds of debt are those? Can I know the status of all your accounts?

Your credit score is a blend of your credit history, how much you owe, the ratio of how much you owe to your available credit limit and only God knows what else. It could be any of those factors in any combination.

the most common reason for a score being low is collection accounts, charge offs and late payments. The next most common reason is that available credit is too close to what you owe. To bring your score up, make sure your amount owed is never more than 30% of your available credit. So if you have a credit card with a $1000 limit, don't carry a balance of more than $300.