Never made a late credit card payment. One of my credit card statement closes tonight and I have a balance of 0.89 . I do have some blemishes on my credit report such as a paid charge off, 1 paid collection , and one unpaid collection.
4/20/2012 FICO Equifax - 628, Transunion - 661
Capital 1 Secured Card Opened 5/2010 - 3,000 CL, $3 balance
Capital 1 Platium Rewards Opened 10/2011 - 3,000 CL, $3 balance
