Confused and aggervated

[CSX1466]

I just pulled my reports all 3 of them. I'm at a 672,661,667. I have 2 old auto loan accounts that have been closed since 9-09 and 10-13. I have sent a GW to have them removed from my credit so it don't show more accounts than I have with no luck. I have 3 CC 2 with paid off balance and 1 with a 9$ dollar balance. I have had 1 late back in 2011 and have been on time since. Feel like my credit is stuck and won't go up. Any ideas

[gdale6]

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@CSX1466 wrote:
I just pulled my reports all 3 of them. I'm at a 672,661,667. I have 2 old auto loan accounts that have been closed since 9-09 and 10-13. I have sent a GW to have them removed from my credit so it don't show more accounts than I have with no luck. I have 3 CC 2 with paid off balance and 1 with a 9$ dollar balance. I have had 1 late back in 2011 and have been on time since. Feel like my credit is stuck and won't go up. Any ideas

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Removing closed good accounts is not a good idea they are helping you with AAoA and are a past history of your performance in the auto loan arena. Gw for the late in 2011... What you need most here is patience, the game of credit is not a race, time is your friend. I would get CLIs on your current accounts, let the new info update and then add some more bankcards to your portfolio. I would select cards that will fit your spending as well as a few cards that have low interest rates in case you need to carry a balance for some time. CUs tend to give higher start limits and that is who I would start with.

[SunriseEarth]

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@CSX1466 wrote:
I just pulled my reports all 3 of them. I'm at a 672,661,667. I have 2 old auto loan accounts that have been closed since 9-09 and 10-13. I have sent a GW to have them removed from my credit so it don't show more accounts than I have with no luck. I have 3 CC 2 with paid off balance and 1 with a 9$ dollar balance. I have had 1 late back in 2011 and have been on time since. Feel like my credit is stuck and won't go up. Any ideas

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I'm also wondering why you want the auto loans removed?   Do they have late payments?   Otherwise, I can't think of a good reason for having them removed.

How late was your 2001 late?  And have you pulled your actual CRs?

[CSX1466]

Yes I ordered all 3 from my fico. The one has 2 lates from 2009 and that's what's killing my credit. I've tried to get limit increases and have been denied

[TheGardner]

You need to add more details..

how late were you on each of the car notes?

How late was the CC late back in 2011?

How old are each of the CC accounts?

What are your current limits on the CCs?

Credit is slow to build and includes a lot of factors.

[CSX1466]

2-30 day late ( 4 years ago).
CC limits are both 500$
And no lates ever on a CC and I have had them both 8 months now. I use them and pay them off just before they are due. I let one carry a 10 dollar balance