Like most everyone else on this forum I am searching for tips that will raise my Credit Score. My EXP is a 630 my EQU is 647 and my TU is 567 (ugh i dunno why this one is that low!!!) I currently have 2 open credit cards with low limits. One is 500 at Capital one and the other is only a 100 dollar limit HSBC card. Both have been open for about a year and I pay them down in full every month. On my credit report under transunion i have one item for 119 dollars that was reported in 2006. That same item shows up in my EXP in the year 2008. I tried disputing the item but that didnt work. It says dispute resolved customer disagrees! Since that item was in 2006 should i just pay it even though its not mine? Or is it old enough that its going to just fall off? Also I have a repo from a car loan that's on my report from 3/1/2005 i was told by a friend that will disappear after 7 years. Is that true? My last questions are pertaining to some items that are showing up as negative but say current closed. I paid all of these things but they are still showing. When will these go away if ever? I was at a very difficult time in life 2005 and 2006 but I have grown up alot since then. I want to one day purchase a house and a nice car. What more can I do to get the ball rolling in my direction?
