  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.
Clay soil is heavy, dense and can be dry as hard as a rock if rainfall is scarce. It is the most difficult type of soil to garden in, and it can take a lot of added soil amendments to change the texture of clay soil into rich, friable garden loam. If you add soil amendments every year to your clay soil, the texture eventually will become less dense and more friendly to your garden plants.