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

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





Citi (AU)


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


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




1000 (Closed)



Care Credit





First Premier





Capital One








6/2009 (Closed Cancelled by credit grantor)


Credit One Bank





Best Buy MC










Lobel Financial

(Car Loan)



Closed Paid never late


Wells Fargo Studen Loan



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




(2 of these- bought by Direct Loans)


US Dept Education





Amex (AU) 




Tax Lien




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 Kudos

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 Kudos

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 Kudos

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

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