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Experian I have the lowest because that one is used by creditors the most here in California.
EQ 629Not bad, considering a very thin file and an 8-month-old late. She has been playing the pay-it-down before the statement posts game since then, although it she winds up calling me three times a week in confusion, and in three months, her scores have gone up to:
TU 656
EX 664.
EQ 675 (+46)This is just from timing her payments, keeping util lowish (12% on the MC, 0% on Gap), and not being late. This is with only 2 open accounts to work with, and the 30-day late hasn't gone over 12 months yet. So for those of you starting out, you can do more than you realize with just two CC's in your name. Just figure out how the timing works, keep your calendar updated, and work the system!
TU 681 (+25)
EX 698 (+34)