few questions aboue secured card and auto loan

[bishop27]

had an auto loan . put down $2000 and financed 2600 for 2.5 years. paid of in less than 1 year with not never a late payment. just got secured card and been paying now for 3 billing cycles. does anyone have a clue on how much a secured card raises your score or an auto loan that i payed off early? my median fair isaacs score was 585 and im am tryn to get it to 620 - 640 to get a house loan. i pulled my TRU and EXP reports and disputed everything. any ideas on if i do get items deleated does that raise your score? if so how much and how soon?

[chane]

The rating system doesn't really work like that. It's not a point system. It's an algorithm. They factor hundreds of things when figuring out your credit score.

It should raise your score, but by how much is impossible to say.