Welcome. Plenty of people feel your pain, so don't get completely frustrated. Instead of hating FICO, learn to play the game. The Credit Scoring 101 thread is a great place to start (see stickies or link in Tuscani's signature). Without knowing more, I'd say it's your 50% util that's killing your score. If you can pay that down with on-time payments, you'll see an increase. Try GWs on the lates also. Good luck!
Message Edited by masdeocho on
06-21-2007 09:11 AMMessage Edited by Tuscani on
06-21-2007 08:22 AM