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I have been keeping up to date with my credit reports and i have noticed that on experian and transunion it is reporting three accounts, my fingerhut and 2 secured cc. Shows total utilization at 17%. The other 15 accounts which are collections and charge offs all showing as closed. Where i am having a problem is equifax. It shows all 15 accounts as opened. This is hurting my utilization which shows up as 99%. I have tried disputing a couple of these accounts but it comes back as verified and accurate. I am going based on CK so i am not sure how accurate it is. Should i try and buy an equifax report from my myfico to see if the information is correct? Not sure how to go about this. Any advice is greatly appreciated.
Ignore CK as far as UTI, scores or any other recommendations goes.
FICO scores ALL unpaid revolving Charge Offs that report a balance against your UTI. If you have any unpaid revolving charge offs showing a balance due its best to get them settled.
@rockbttm442 wrote:
Also if you've been denied for credit use the denial letter as long as it's within 60 it'll be free
Speaking of which, I just recieved a copy in the mail of my TU report, even though I never requested it....
But arent these charged off accounts suppose to be considered closed. I mean they are all closed on both experian and transunion.