Report Comparison Dates Report
| 670 | 682 | (-12) Score |
| $56,140 | $114,802 | (-67621) balances |
| $557 | $758 | (-201) payments |
| 44 | 49 | (-5) accounts |
| 26 | 32 | (-6) closed |
| 18 | 17 | 1 revolving |
| 0 | 0 | lates |
| 9 | 11 | (-2) Inquires |
| 2 | 2 | derogs |
| 0 | 1 | (-1) Public record |
I pay for TU monitoring service although I know the score does not matter, I like it for reviewing my credit report and the credit report comparrison. So TU deleted my bankruptcy and fixed the error in my student loan reporting, I was hoping my TU Fako would rise because previously the biggest problem on was Bankruptcy on my credit report. The derogs are two paid off charge off's I am trying to goodwill.
TU know states these are my biggest problems:
- [+](TransUnion) You have no real estate accounts that can be used in determining a credit score.
- [+](TransUnion) Time since oldest account opened is too recent.
- [+](TransUnion) On average, your revolving credit accounts were opened too recently.
- [+](TransUnion) The available credit on your open bank credit card accounts is too low.
#4 intrigues me because I have about 2% revolving utilization.... are they saying that my card limits which vary from 1k to 4k are too low?
