Little Credit - High Score Goals PLEASE HELP

I am trying to get my middle score to above a 680 and it seams that everything I do is wrong because my scores keep going down. My goal is to get approved for a specific home loan through my bank but I need a 680!!!!! The only thing I have done is charge to my only credit card and then pay off (two different times, two different amounts). How is that affecting my scores so drastically? Current / 06/12/15Experian 665 665
TransUnion 694 707Equifax 656 676 Also my credit card is only a $500 credit limit. I do have some medical collections from 2010 but only totaling about $1,200.00. Is it better to just settle and pay those debts off? Why are my scores going down?

kellyf213 wrote:
I am trying to get my middle score to above a 680 and it seams that everything I do is wrong because my scores keep going down. My goal is to get approved for a specific home loan through my bank but I need a 680!!!!! The only thing I have done is charge to my only credit card and then pay off (two different times, two different amounts). How is that affecting my scores so drastically? Current / 06/12/15Experian 665 665
TransUnion 694 707Equifax 656 676 Also my credit card is only a $500 credit limit. I do have some medical collections from 2010 but only totaling about $1,200.00. Is it better to just settle and pay those debts off? Why are my scores going down? I'm assuming the amounts charged were reported as a balance on your monthly statement?

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Little Credit - High Score Goals PLEASE HELP

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