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I have been rebuilding my credit almost obsessivly for the last 6 months and I have finally gotten everything cleaned up on TU but it is my LOWEST score! There are no collections at all on there. How can I get it up? It is about 10-20 points lower than my other scores and those are reporting collections. I guess maybe I need to pay down some of my balances and just wait it out a little???
Thanks
Shannon
@Anonymous wrote:I have been rebuilding my credit almost obsessivly for the last 6 months and I have finally gotten everything cleaned up on TU but it is my LOWEST score! There are no collections at all on there. How can I get it up? It is about 10-20 points lower than my other scores and those are reporting collections. I guess maybe I need to pay down some of my balances and just wait it out a little???
Thanks
Shannon
What else is on the report? And what is missing from the report that is on the others? Are there positives on EQ/EX that are not reporting to TU?
@Anonymous wrote:I have been rebuilding my credit almost obsessivly for the last 6 months and I have finally gotten everything cleaned up on TU but it is my LOWEST score! There are no collections at all on there. How can I get it up? It is about 10-20 points lower than my other scores and those are reporting collections. I guess maybe I need to pay down some of my balances and just wait it out a little???
Thanks
Shannon
What are your balances and limits for ALL of your revolving lines?
I have 4 cards with a zero balance and 4 cards with a balance of about 50% of the limit
@Anonymous wrote:I have 4 cards with a zero balance and 4 cards with a balance of about 50% of the limit
Pay off completely the card with the lowest balance. Get the other three to below 30% each. Doing that should net you a significant increase in all your scores, but quite a bit moreso on TU than the others because its a clean file.
I was in the same boat until today.... I got TONS of stuff off my report, corrected, etc and my score wouldn't move. Then today it went up 40 points!! It seems to increase really suddenly with TU, whereas the others all updated as time went by instead of THIS much at once.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |