11-25-2009 10:35 AM
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
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
6/2009 (Closed Cancelled by credit grantor)
Credit One Bank
Best Buy MC
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?
(2 of these- bought by Direct Loans)
US Dept Education
11-25-2009 06:11 PM
11-25-2009 06:57 PM
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...
11-26-2009 08:12 AM
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.