The Score

[HArley]

I have been trying for years tio increase my credit scores.  I goes up and down and I am really not sure why.

My three scores are 511 540 579...and I canot determine  why the descrepancy.  I have obtain a credit crard with a small limt and try to keep it down below 50%...... I recently purcheased a car to get good reporting of payments.....

What is going on?

[Anonymous]

Okay all three of your scores can be different from each bureau.  You say you keep your utilization below 50% anything above 30% is hurting you.  Try applying for another card.  What kinds of derog info is in your file?