Has anyone out there have a problem with TU? I do have several derogs on my reports but TU seems to really hate me. Long story short I filed CH13 in 04 because of job loss. Two years ago I started working on my scores which was mid 500's . But recently I noticed TU has been falling behind. Even with 7to10 baddies my EX. is finally 697 EQ683 but TU is 608 and TU has only 5 baddies .Also my new Fico says 12% usage on my cc is too high 3500 cl 214 charged I don't get it. It also says recently late but I haven't been late on anything in over 4yrs. I'm discharged now but I want my scores as high as possible for a home purchase in the near future. Help me please !!
Starting Score: 550-tu 550-eq