I wanted to thank everyone here for the great info! I started my journey in May. I started off by reading the forum and soaking all the info up for one month. Then June 2nd GW's started going out. So far I have had 4 accounts reviewed, 1 of them was removed completely and 3 of them removed lates. I am waiting on my second GW to Wells Fargo Mortgage and one to Chase/Circuit City to come back. The Chase is wrong and I can prove it. They are reporting a 30 day late in 2005 even though we have never used the card.
Right now I have bumped up my wife’s scores from 687 to 763. And mine have gone from 697 to 751. I am hoping to get a little more out of each score and I am not sure how we can do this.
We do not carry debt- we are using a few cards and paying them in full at the end of each month. I will not open any new accounts, but should I contact each card and ask for an increase? Also, I remember a thread regarding which card reports to which CA. I was unable to find the thread again Does anyone know where I can find this info. Exp is our lowest score and I want to make sure I use a card that reports to them.
Thanks again for everyone’s help! Any tips to raise my scores even more would be greatly appreciated!