I have a fico of a 626. equifax is reporting I have a Credit One bank card which has no history of it's a $250 line of credit. I closed it the day it opened because it was useless to me. equifax says I have cards with too low line of credit, i assume this Ian what it references. I bought equifax report online, and when I to file an online dispute, it failed saying it could "not honor my request with th. Information I provided." Which was identical to the information on my report. I called equifax and they told me I may need to mail my report and dispute. They asked for the report number which is not present anywhere on my report. the agent had me on hold a few reser and in the end resent my report to my email. This new report, contained no report number.
essentailly, I don't know what to do, how I can dispute it.
MYFICO Quarterly: 2/13-626, 5/13-621, 8/13-647, 11/13-721 Goal= garden to 06/14, more garden until 7-15
Don't dispute it. It's just sitting there adding to your AAoA. It's not a negative account. That advice you received about the low limits is a FAKO thing. If you were to remove that account, if it has any age on it adding to your AAoA, you would actually see a drop in score.
FICO scores a $100 CL the same as a $10K CL. It's the util that would matter and since this would have a $0 balance, it would not come into play.
So, leave the account alone!
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.