Yes, the balance on the one account is high as it is a home equity account but the available credit changes semi-annually, increasing each time. I have about 20 open accounts with no balance so why are they focusing on just this one?
Yes, zero delinquencies would be great but the amount on the one posted was for all of $100 and was paid and I am disputing the delinquency.
As for the credit inquiries, yes they are both from my bank regarding a mortgage loan, so as I understand it that should not be a negative. The third was from an auto dealer even though I paid cash and didn't finance. Why would that be negative?
I really don't understand the last one. I have opened no new accounts in the past year yet that is listed as a reason. Does that make any sense?