Guys,
My scores are as follows
Experian 645
Equafax 616
Transunion 596
My current Credit picture
citibank 500 cl 20 bal
credit one 200 cl 60 bal
capital one 300 cl 250 bal
amex delta - denied
All balances are paid off each month.
I have a fed tax lien from 2003 that shows up on my Experian and Equafax report. The Transunion has the fed tax lien along with a state tax judgement that posted earlier this year. I am working to pay off both liens, however I know that it will be several years before i can satisfy them. Those are the only baddies/derogs that appear on my credit profile.
What do you think my next steps should be? Any help you can offer would be appreciated.
wblake