I'm pretty new to following my scores/credit. I knew it was not great and a few years ago it was truly awful (TU was higher 400s).
Today my scores are better, not great, but getting there. I have a dispute for one CA that I'm working on with TU which should help a lot and several GW's going out for old lates. (wish me luck!!)
TU 597
EQ 642
EX 608
I think aside from the baddies (none of which are younger than 2 years), high UTIL is my biggest issue. I did the unthinkable and freaked out, closed my accounts and have been paying them down over time. UGH. I had NO idea it was so awful to do it! I'm aggressively paying down the closed accts so hopefully in the next 3 months, I'll be at the coveted 1-9% util 
Anyhow, the thing that struck me the most is how wide ranging my scores are. TU to EQ is quite a difference!
Is that common, typically? Also, there are some tradelines that are reporting only to one or just two of the CRAs ... I have 2 accts that are valid, active cards not even reporting to EX. Is it advisable to request everything reports everywhere?
Thanks
