The only one it seems that I can access is Equifax. Are you only allowed to see one if you get the free trial? Secondly it says we have 1100 in revolving balances and if we pay that down the score could go up. The only things we have are one credit card with a 200 limit, currently at 157 charged and an installment loan balance of which is 3200 and our payments are 132. per month. Will paying more each month toward our loan and paying down our credit card to only a 25 charge help?