Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 127
Registered: ‎05-13-2008
0

Advice Needed

So I have been doing the credit repair thing for the whole last year or so I am seem to be stuck at a 600 or so score across the board.

 

Below is listed what my current TU report lists- The others are pretty much the same thing.

Anything I should do to help my score out? I was thinking about dropping the AU on the CITI (balance too high now- was at 0 before

but the person maxed it) and the Amex (Is this even helping me at all?)

Any advice would be appreciated

 

The first number is the balance and the second number is the limit usually

 

 Orchard Secured

0

250

8/2008

 

Citi (AU)

4243

4330 (Was 5500 and they just dropped it to match the balance)

12/2001

Should I drop this as an authorized user? Seems like it might be killing me

 

Chase

0

1000 (Closed)

7/2001

 

Care Credit

980

1000

10/2009

 

First Premier

150

400

3/2009

 

Capital One

616

750

6/2009

 

Hooters

266

300

6/2009 (Closed Cancelled by credit grantor)

 

Credit One Bank

0

350

9/2008

 

Best Buy MC

50

300

9/2009

 

Walmart

400

500

9/2009

 

Lobel Financial

(Car Loan)

0

5873

Closed Paid never late

 

Wells Fargo Studen Loan

0

2625

30days (3) 60(2) 90(8)

This was transferred and I am paying it now but this sits on there and dont know

if I can do anything about it?

 

Sallie Mae

0

2363

5/2009

(2 of these- bought by Direct Loans)

 

US Dept Education

7673

7786

7/2009

 

Amex (AU) 

7900

2/2004

 

Tax Lien

1100

Released-Paid

8/2009


TransUnion Experian Equifax
549 500 516 6/2008
TransUnion Experian Equifax
598 530 608 6/2009
TransUnion Experian Equifax
613 602 624 7/2009
Senior Contributor
Posts: 4,329
Registered: ‎09-06-2008
0

Re: Advice Needed

you need to get your balances down.  several of your cards are very near their limit.  this will help your scores.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Valued Contributor
Posts: 2,691
Registered: ‎07-29-2009
0

Re: Advice Needed

In my opinion, you need to get yourself taken off as AU on the Citi card. It's not doing you any good, even if it is an older tradeline. This is helping kill your utilization.

 

Is there anything owed on the AmEx card where you are an AU? The AmEx would be helping your utilization percentage if there is zero balance on the card. That one could stay if it is a zero balance.

 

The best thing you can do to help your scores will be to get your balances paid down.

 

Also, are the dates you listed the dates you got the cards? If so, you also need to quit apping for new credit. Your inquiries and new accounts are helping to hold your scores down.

 

Those would be my suggestions...

Regular Contributor
Posts: 127
Registered: ‎05-13-2008
0

Re: Advice Needed

Yea- the AE usually has a balance thats "mostly" paid off 

The Citi card had a zero balance but she opened a business and needed to use the card and maxed it out.

Yes the dates are when the card was opened.

I didnt have anything really almost a year ago so I.

 

So I guess I should just drop the AE and Citi- they helped initially but now they are just making my utili go through the roof.

 

 

TransUnion Experian Equifax
549 500 516 6/2008
TransUnion Experian Equifax
598 530 608 6/2009
TransUnion Experian Equifax
613 602 624 7/2009

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.