Try to avoid taking on new TL's if possible to let your current ones age. How is your UTIL? It helps tremendously if you can keep it in the 1-9% range. Do you have many hard INQs in the last year? If you do, you'll get a couple of points bump up as soon as they fall off.
How recent is the 30 day late? They won't have nearly as much impact on your score once they are 1-2 years old.
Message Edited by Felicity on
06-05-2007 02:52 PM