Is the cap one an open active card? If so, that balance is MURDERING her score. Utilization is 30% (or is it 35?) of your score. I went from a 565 mid in may with around 90% util and sit at a 637 mid at around 4%...my transuion alone went up about 85pts from dropping the balances. If you can get a PFD for that collection and try to goodwill those lates away, that'll help too.
Any formatting mistakes are my iPads fault!
Starting Score: 492 02/12
