My current scores are: 552, 516, 530. Ofcourse, my TU on truecredit is 626 (too bad it's a FAKO!) I have an Orchard Bank Card and I'm keeping my utilization at 5% and also a US Bank card keeping the same utilization. Should I apply for anything else? (Not sure I could get anything else...)
Also, I was behind on my house payment, but I paid that up over the weekend so how soon should I expect before that is reported on my CR?
I've been disputing online, but now on some I can't do anymore online, can I keep disputing via US mail or fax?
Thanks!