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Major Repair Needed - Seeking Advice Please

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StartingOver10
Moderator Emerita

Re: Major Repair Needed - Seeking Advice Please

Naturally shogun has answered the big questions about your report.

 

But, the reason your scores are so low, in addition to the late pays, is that you are maxed out on every card. It probably is tough right now to pay down your cards, but when you do you will see a big jump in your scores. Search the threads on utilization. If you can't get it to the ideal right now, at least get all your balances to less than 30% and go from there. The accounts that are currenlty closed, with balances, are hurting you very badly too. Get those paid off as soon as you can.

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