  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.
Sandy soil holds 80 to 85 percent sand. Clay soil contains from 40 to 100 percent clay. As the amount of clay, sand or silt in loam increases, it may be classified as a clay loam, sandy loam or silty loam. Those combinations of soil have medium texture and corresponding ability to hold soil nutrients.