so today i signed my mother up for Experian credit tracker pulled her score and report from experian
FICO 8 experian score 619, i know credit utilization is a huge factor for her, we are trying to re-finance away from SANTANDER on her auto loan
were should i start? apply for a few new cc to help utlization
dispute the bad??
FICO 8 EXPERIAN SCORE 619
OLDEST ACCOUNT 20 YEARS 9 MONTHS
AVRAGE AGE OF ACCOUNTS 6 YEARS
I know her credit utilization is at a very high 89%
and my mom when she had great credit had high credit limits paid them off then closed the cards which i know is a big NO-NO
THE BAD
collection $369 open date 05/2011
collection $412 open date 02/2013
collection JCP/SYNCB, no balance listed, open date 07/2001 last payment shows 01/2010
collection DICKS/SYNCB $347 balance, open 07/2009 last payment 07/2010 which is false information last actual payment was 12/2009
collection PENN CREDIT via Verizon, balance $1,189 date open 02/2013 delinquency date with verizon is 09/2010
collection HSBC/RS $893 balance open date 03/2007 last payment 08/2009 report says she made a payment 08/2011 which is false
collection HSBC/BESTBUY balance $1,671 opened 08/2008 last payment 08/2009 report says she made a payment 03/2010 which is false
collection CHARGE OFF FIRST TENNESSEE BANK balance $5,835 open date 06/2008 last payment 08/2008 shows only missed payments since 2013
Collection CAV PRO balance $412 open date 02/2013 she has no idea what this could be
THE GOOD
CAP1 CREDIT CARD $320/500 OPEN no late payments
CAP1 CREDIT CARD $360/500 OPEN late payments
GOODYS CREDIT CARD 0/$750 SAYS ITS OPEN BUT IS CLOSED no late payments
CREDIT ONE CREDIT CARD $306/400 OPEN no late payments
FTNBANK HOME EQ LOAN $14,179/15,000 OPEN 1 late pay 30 days
SANTANDER AUTO $16,941/18,100 OPEN no late pay
SETERUS HOME LOAN SOLD TO BY SUNTRUST $52,717/65,000 OPEN no late pays
SUN LOAN INSTALLMENT $260/570 OPEN no late pays
AMAZON CREDIT CARD $544/600 OPEN no late pays
DISCOUNT-TIRE CREDIT CARD $7/500 OPEN no late pays
WALMART CREDIT CARD $440/500 OPEN no late pays
BOA CREDIT CARD $3,500 PAID-Closed no missed payments
ALLY INSTALLMAENT $14,000 PAID-CLOSED no missed payments
FIA/CSNA CREDIT CARD $11,000 PAID-CLOSED no late payments
SUNTRUST HOME LOAN SOLD TO SETERUS no balance listed on report shows 1 30 day late pay
BELK CREDIT CARD $500 PAID-CLOSED no late pays
CARECREDIT CREDIT CARD $1,600 PAID-CLOSED no late pays
TARGET CREDIT CARD $10,000 PAID-CLOSED no late pays
SOUTH EAST CU CREDIT CARD $1,300 PAID CLOSED no late pays
CBNA CREDIT CARD $1,000 PAID-CLOSED no late payments
CBNA CREDIT CARD $4,500 PAID CLOSED no late payments
CHASE CREDIT CARD $500 PAID-CLOSED no late payments
