  It just doesn't go up. If you have always paid on time and kept your debt down, then your credit score will remain consistent. If you've had a few late months and paid â¦ on time for a while after that it can rise by as much as 30 points or more, but remember, credit is looked at over TIME.f you have always paid on time and kept your debt down, then your credit score will remain consistent. If you've had a few late months and paid â¦ on time for a while after that it can rise by as much as 30 points or more, but remember, credit is looked at over TIME.
loam. 1. a rich, friable soil containing a relatively equal mixture of sand and silt and a somewhat smaller proportion of clay. 2. a mixture of clay, sand, straw, etc., used in making molds for founding and in plastering walls, stopping holes, etc.3. earth or soil.oam. 1. a rich, friable soil containing a relatively equal mixture of sand and silt and a somewhat smaller proportion of clay. 2. a mixture of clay, sand, straw, etc., used in making molds for founding and in plastering walls, stopping holes, etc.
Composition. Soil is composed of three types of particles: sand, silt and clay. Sand makes up most of soil, and does not have terrific water holding capabilities. The clay particles in soil are very small and do no allow much water to drain.Silt is the second largest component of soil with characteristics of both sand and clay.ypes. There are three types of loamy soil; each is determined by its composition. Light loamy soil consists of more sand than clay or silt. Medium loamy soil is the most sought after because it contains equal amounts of each component.