I am super upset here , so my typing may get bad. I have been trying desperately to raise my credit score in the last month. I have written here several times to get advice. Now to get to the root of my newest problem. I have 3 credit card accounts that I have had poor utilitzation on. I have always paid them on time, but, I have always worked around the top of my credit limits. I was advised to change this and did. I went from nearly 95% utilization to under 20%. In fact I have 2 of the 3 with 0 balance.
A line of credit I took out in 2003 for 39,000 and have paid monthly for nearly 5 years is now being reported like a credit card. I have never reduced this account by much and still owe the majority of the amount borrowed. It was never reported this way before. It only changed when I paid the other credit cards down. It was like it was done on purpose. I know this is irrational , but that is exactl the way it looks. ONe day a credit report had raised my number to 672 from 643, and the next day it was back to 643. I have had as high as 700 number last year. but it was lowered as I had high utilization on the 3 credit card accounts. TransUnion and Equifax are now showing me at 94% utilization even though my credit cards are lower than they have ever been. PLEASE ADVISE, ANYONE?
