@Anonymous wrote:
Norman,
I have three Visa cards that I use and stay within 10% or less utlization each month. No lates on these or car payment. Every time I send a letter requesting them to remove late payments that just say there reporting correctly. I guess when things drop off will help my scores.
OK, so you are good there. You just need to let those cards continue to work for you and as those recent 30 day lates age, they will have less impact on your scores. You should see a slow steady rise in your scores over the next 9 months. Keep your UTI in check and you should be fine.
Wouldn't hurt to app for a Cap One unsecured card.
