@ acevesf Thats a short story! Lol.
"Util - 43% - we recently bought some new appliances"
As Holdingontohope mentioned, from your file, your scores went down from Utilization.
"Collections - I do have 8 MEDICAL collections"
I'm sure you already know but medical collections are often times easy to get deleted. I got my only 3 removed within a month.
Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300
Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2
Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012
