So TU has broken 700 already but EQ is still struggling. (And we won't even talk about EX) What should I do to get EQ above 700? Here's my stats:
Current score: 655
Most recent late: 5 yrs ago
Medical collection: Feb 03
10 late payments: 7 x 30 days + 3 x 60 days
Utility collection: 120 days - Jul 02
Any suggestions? Thanks!
Your goal is total util <9%. And individual card or two can be quite a bit more, although your best bet is to have all revolving util quite low.
Revolving util is a huge factor in your scores. First shoot for 49% or less, then 19% or less, then 9% or less.
For the various derogs, check Rebuilding Your Credit for ideas on how to get some of them spiffed up.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007