I don't know. We see in part, and we know in part. From what OP shared, I could not determine that ALL of his/her numbers are bad. If we are talking about maximizing the FICO score, there is a game that needs to be played. If you don't like the word "game", then replace it with whatever makes you comfy. Bottom line, is I think that OP's scores could eclipse 700, if he/she controls the amount that a CCC will report to the CRAs.
CHARGE_IT wrote:
Sorry, I was writing about real life, not playing cc games.
CI
Starting Score: 469