This is my score as of today. The ratio of revolving credit varies though;
TU 67% with 14 open accounts with balances
Equifax 54% with 14 accounts with balances
Not sure on Experian since they have my second mortgage listed under revolving.
As to the 14 accounts, yes that is alot but 2 are 1st and 2nd mortgage and 2 are student loans that I cosigned with my oldest son and they are deferred. I have only piggyback account since I am an authorized signer on my moms BOA account., and one is a car loan. So actually the revolving credit is based on 9 accounts which two I will be paying off soon. I have a couple of late pays that I am going to try again with GW letters to get the removed. One late pay is for April and May of 2007 and the other is Dec 07 and Jan 08 of this year. Feel I was unjustly penalized but that is neither here nor their but I need to get them removed. My question is on the utilization why the differences when they have the same accounts and amounts for what I can see? Are those late pays causing most of the damage?