FicoPsycho wrote:
i dont have too many accounts
my car loan its three years old never been late still owe 14k lcapital one credit car.............600 limit only 4mo old
the dreaded first premier card.....450 limit 10mo old
like i said before i never thought about credit before making the resolution so i am well behind one thing i do is always pay on time i have no lates i keep balances low except the one on my brothers name who am i to tell him hey your are hurting my fico keep it low lol his account history is five years old by the way so i know thats helping more than it is hurting.
i do have a collection from 2005 which is paid it was only 265 dollars but i know thats a fico killer. it doesnt help that its reporting twice and i cant get it off (for some reason after i called to ask about it before i paid it they reported it again and dropped my score some valuable pts.... ummm nothing more to add
by the way do you guys think that i can get a higher limit card with my scores? eqx=620 exp=634 trans union=644
The history would help from your brother's card, but the utility is killing you.
Have you tried to write a good will letter for the paid collection? There are some sample letter's in the general credit section you can read up on how other's have used them to try to help remove paid collection's.
You're score's are not bad at all, but I do think if the utility is low on your card's alone, then the AU account is probably bringing them down a bit.
