Well, I have 2 credit cards in my name, one for JCP = $400 limit, 0 balance
One visa - $600 limit, $0 balance (just paid today so it's not hitting my score just yet - $492 balance is hitting score)
I have 2 more credit cards that I have access too (AU accounts) - Bank of America - $1000, with $950 balance (also paid off today)
Chase - $600 limit with $590 balance (again, also paid off today).
I have a bankruptcy 2 1/2 years ago discharged.
I also have my studen loans which were consolidated 1 1/2 years ago and have had timely payments ever since. Before that however, all of them were showing multiple times as being late 120+ and I'm not sure how to fix it because first they were with Sallie Mae, then transferred to another lender and then a 3rd, and so really what started out as $30,000 in student loans, is now $80,000 on the consolidation..HELP!? Now, they're only showing one account with the 80k, but all the rest are still on there showing "transferred to another lender" or "being paid through insurance" I have disputed multiple times to get them to show as "paid collection/consolidation" but to no avail.
My scores now are TU 532, Ex 556, EQ 555
Last year, they were 590 - 600. HELP !!!