i have one department card reporting at 0%
1 CCreporting at 5%
1 department CC reporting at 5%
1department card reporting at 6%
1 line of credit reporting at 37%
total lines 22K
reporting at 9% total uti
most late pmts are from 1.5 years ago.
1 small paid medical collection a few months old, just got paid. Can't get them to delete.
all scores are approximately 680
I see here that should only have one card reporting....obviously line of credit amount is hurting...didn't realize it didn't report on statement date! If I pay that to $0, and 2/3 of the cards to 0...with total uti aound 3-4%, what kind of score boost would you guess? I know now it's different for everyone, just trying to get an idea.
FWIW, signed up for Transunion monitoring. Went from 676 to 687 in one day when the only change was the medical collection (under $100) was changed to paid.
My AAoA is about 10 years. I also have a student loan with no late pmts in last 2.5 years.
