Advice - Why won't my score go up? It's been years!

Tryingmybest10

Hi all, 
Long story short. Went Bankrupt in 2011 as a graduate, discharged in 2012 (I'm Scottish so laws are a little different) and spent up until 2016 in and out of debts and and not really taking my score seriously. At the start of 2017, I finally got a good job and decided enough was enough.
Bankruptcy cleared from your record 5 years from discharge so I've been assured that is no longer actively impacting my score. I busted my !!!!!! and cleared all of my debts in 2017 and have been meticulous in never missing a payment, having all utilities etc paid on time.
It's 2020. I have no debt, no missed payment but my credit score still sucks! My mum suggested a few credit cards for the sake of paying them back to up my score but nothing is making a different. One day, I would like to buy a house with a good rating but it seems on Credit Karma, I can't get above 515 points and Experian is worse. 

I knew it would take some time but I didn't expect it to take nearly 3 years? Any advice would really be amazing as I'm totally stumped and don't know where else to ask!

[Deleted User]

Because it's just a gimmick.  Some scores never move, so stop worrying about it. No one will ever see or care about it.

If you're now managing your credit resposnibly and clearing the cards in full each month, that's all that lenders want to see.  Not a really big pretend score.

DCFC79

Tryingmybest10 said:

Hi all, 
Long story short. Went Bankrupt in 2011 as a graduate, discharged in 2012 (I'm Scottish so laws are a little different) and spent up until 2016 in and out of debts and and not really taking my score seriously. At the start of 2017, I finally got a good job and decided enough was enough.
Bankruptcy cleared from your record 5 years from discharge so I've been assured that is no longer actively impacting my score. I busted my !!!!!! and cleared all of my debts in 2017 and have been meticulous in never missing a payment, having all utilities etc paid on time.
It's 2020. I have no debt, no missed payment but my credit score still sucks! My mum suggested a few credit cards for the sake of paying them back to up my score but nothing is making a different. One day, I would like to buy a house with a good rating but it seems on Credit Karma, I can't get above 515 points and Experian is worse. 

I knew it would take some time but I didn't expect it to take nearly 3 years? Any advice would really be amazing as I'm totally stumped and don't know where else to ask!

You do realise you can buy a house since lenders see your history.

Is the history all correct ?

If it is then why not apply for a mortgage, speak to a broker to see if you can get a better rate.