Reply
Regular Contributor
xkaosx
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
Community Leader
Senior Contributor
laz98
Posts: 4,300
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: 716. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Valued Contributor
Jazzzy
Posts: 2,679
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
xkaosx
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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+