I won my dispute with Equifax... I lost an account (AU) that was 12 years old...but was in debt 12k and was never going to get paid off...
TU 673 TODAY
EQ 678 TODAY
EX 677 (AMEX pull) in May
Now, these scores will dip since the charge I made with Citi isnt posted( used my 3000k limit to pay off a car that was high interest so that I can pay it off at zero interest).... but it will only be for a short while, and ill pay it off by February
I want to thank you all for your help and support. If I had found this site two months ago, I wouldnt have been foolish and opened a card with Credit One and First Premier... I found you all in time to close these accounts without ever using them. Im still stuck with Orchard Bank, but Im fine with Chase Freedom and Citi Diamond with their no annual fee.
Im better prepared to get my mortgage thanks to all of you... the AAoA is still a problem, but I wont open a card I dont need for the next two years.