*Loan,banking and credit>>>auto loan

I pay my auto loan on time every month. How come my credit score isn't going up after these 6 months?

I've had my auto loan for 6 months now with Chase Auto. I've paid ontime each month, and they report it to the credit bureau as such. How come I don't see any change in my FICO score? It doesn't go up at all!!!

Anyone know?

In the first 6 months your balance due on your auto loan will not be reduced by a whole lot, as in the beginning you are mainly paying interest. So any calculation using on your loan balance will really be minimal.

Credit scores are dynamic and change everytime something on your credit report changes. In normal situations it won't change more than a few points each month and sometimes it won't change at all for a month or more.

If you keep paying on time on all of your accounts, limit your applications for new credit and keep your credit card balances at under 30% it will go up.

Are you paying all your other bills on time too? Get a copy of your credit report and check it out. You will soon know.
What else is on the report?

Did you have a late pays in the past? Are you in collections on anything else?

Also, how much other debt do you have?

If you've had bad credit history in the past, it can sometimes take up to a year for you to see much of an upward trend even after you start making on time payments.
are you paying everything on time I would get you credit report
It takes longer than 6 months for it to really affect your credit. Creditors love seeing long histories of on-time payments. Just hang in there. Make sure that you are paying everything else on time as well.
Paying on time is OK, but not a way to raise scores as paying on time is what is expected. Right?
To improve score, do not apply for accounts, pay off smaller accounts, limit use of revolving accounts.