Credit Cards

[adio413]

i have an unsecured card through applied bank with a CL of $250. i make an automatic monthly donation to a smithsonian museum for $5 on the 20th of every month and then on the 5th of every month $7is taken out of BOA debit card to pay for it.

even though the applied card reports to all three CRA, it seems like this is doing nothing/zero for my credit score, since i usually have a $2 credit on my credit card account. what could i do to change it? should i use the card more? should i use it enough to take the utilization from 0% to 5 -9%?

[rootpooty]

Is this your only card? What is the reported util been the past few mos?

[adio413]

---

rootpooty wrote:
Is this your only card? What is the reported util been the past few mos?

---

yes its my only card. the utility has been 0%.i just got the card in may  started using it in may this year. i've never bought anything with it, just signed up to do auto donations to the museum and to have the amount paid back via my BOA card

[jd5189]

what are you scores currently?

[adio413]

holy christ, im sorry everybody....... i have a secured card from applied bank. im sorry sorry sorry.

in case anybody asks, the extra $2 is from the 7bucks that comes from my debit card. when i 1st signed up for the debit payments, the applied bank CSR said i should have a little more taken out just in case interest is charged.

jd5189: my credit scores are as of 10/9/12 3pm

experian 585

equifax 561

transunion 585

idk if these are FAKO or fico because they're from USAA credit monitoring

[adio413]

ttt

[AvaMommy]

---

adio413 wrote:

ttt

---

Those are your FAKO scores. what is hurting your credit?

[adio413]

i have no idea!!! i have a bunch of student loans but the'yre paid on time with zero lates on any of them.

[jd5189]

Have you pulled your reports or just the scores? It seems there are derogatory accounts somewhere in your credit files because with on-time SL payments and even the secured card your scores should be somewhere in the 600's (at least mid 600's I would have to guess).

Pull your free yearly CR from one of the agencies (doesn't matter which one as they all seem to be in the same score range). Look through it. Until you find out what the derogatory is on your account, your unsecured card will not do much for your scores.

[adio413]

CBCS Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name CBCS CBCS CBCS Account # 1806XXXX 1806XXXX 1806XXXX Account Type Collection Department / Agency / Attorney Collection Account Collection Account Balance $271.00 $271.00 $271.00 Date Opened 10/1/2011 10/1/2011 10/24/2011

CONVERGENT OUTSOURCING Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name CONVERGENT OUTSOURCING CONVERGENT OUTSOURCI CONVERGENT Account # 7003XXXX 7003XXXX 7003XXXX Account Type Collection Department / Agency / Attorney Collection Account Collection Account Balance $387.00 $387.00 $387.00 Date Opened 7/1/2010 7/1/2010 7/9/2010

MIDLAND CREDIT MGMT IN Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name MIDLAND CREDIT MGMT IN No Data Returned For This Bureau MIDLAND MCM Account # 853158XXXX 853158XXXX Account Type Debt Purchase Collection Account Balance $1,222.00 $1,222.00 Date Opened 8/1/2009 8/26/2009

PROFESS ACCT Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau PROFESS ACCT Account # 1305XXXX Account Type Collection Account Balance $67.00 Date Opened 1/18/2010

PROFESS ACCT Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau PROFESS ACCT Account # 1074XXXX Account Type Collection Account Balance $67.00 Date Opened 10/13/2008

PROFESS ACCT Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau PROFESS ACCT Account # 1061XXXX Account Type Collection Account Balance $104.00 Date Opened 9/9/2008

AFNI Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau AFNI No Data Returned For This Bureau Account # 101869XXXX Account Type Collection Account Balance $155.00 Date Opened 8/1/2007

AFNI, INC. Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name AFNI, INC. No Data Returned For This Bureau AFNI Account # 204072XXXX 204072XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $183.00 $183.00 Date Opened 4/1/2010 4/19/2010

BUR COL RECO Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau BUR COL RECO Account # 7181XXXX Account Type Collection Account Balance $0.00 Date Opened 7/17/2012

CAP ONE Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name CAP ONE CAPITAL ONE BANK USA CAP ONE Account # 40034470XXXX 40034470XXXX 40034470XXXX Account Type Credit Card Revolving or Option Revolving account Balance $2,683.00 $2,683.00 $2,683.00 Date Opened 2/1/2007 2/1/2007 2/5/2007

FAIR COLLECTIONS & OUT Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name FAIR COLLECTIONS & OUT FAIR COLLECTIONS & O No Data Returned For This Bureau Account # 347XXXX 347XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $3,415.00 $3,415.00 Date Opened 5/1/2009 5/1/2009