Hey guys I have been lurking for a while and really like the board and all its help. My recent Fico scores are 649 TU, 642 EQ, AND 674 EX, On the TU and EX I have 4 tradelines where I am an AU under my grandpa two BOA with limits of $7500 and $20,000, Discover $15,000 and the Citi does not report the limits. On the EQ I myself have a $1800 Chase card and a $500 Capital one card. The only baddies I have at this time are lates from 2005 on my Capital one 90 day late, also there is one collection and a charge off. I have a paid off mortgage and an open mortgage on my files. I beleive my utiliztion is around %12. Thanks your time guys.
