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My util is very less, I am not sure if I can gain any by reducing util. All my accounts should be 1 year by this Dec. That probably would help a bit to gain scores. I have to work on some of my baddies. Not sure how hard it is to get them out and also not sure how much I would gain by getting them out.
Mazda credit. Lates in 2004
Jaguar Credit. Lates in 2004
Capital One. Lates in 2004
CMI - Paid Collection. Paid in 2007