topic Re: Rebuilding my credit - TU is lowest score in Rebuilding Your Credit

Rebuilding my credit - TU is lowest score

Anonymous — Fri, 01 Jul 2016 21:10:49 GMT

I have been rebuilding my credit almost obsessivly for the last 6 months and I have finally gotten everything cleaned up on TU but it is my LOWEST score! There are no collections at all on there. How can I get it up? It is about 10-20 points lower than my other scores and those are reporting collections. I guess maybe I need to pay down some of my balances and just wait it out a little???

Thanks

Shannon

Re: Rebuilding my credit - TU is lowest score

Anonymous — Fri, 01 Jul 2016 21:22:01 GMT

@Anonymous wrote:
I have been rebuilding my credit almost obsessivly for the last 6 months and I have finally gotten everything cleaned up on TU but it is my LOWEST score! There are no collections at all on there. How can I get it up? It is about 10-20 points lower than my other scores and those are reporting collections. I guess maybe I need to pay down some of my balances and just wait it out a little???

Thanks

Shannon

What else is on the report? And what is missing from the report that is on the others? Are there positives on EQ/EX that are not reporting to TU?

Re: Rebuilding my credit - TU is lowest score

Anonymous — Fri, 01 Jul 2016 21:34:19 GMT

@Anonymous wrote:
I have been rebuilding my credit almost obsessivly for the last 6 months and I have finally gotten everything cleaned up on TU but it is my LOWEST score! There are no collections at all on there. How can I get it up? It is about 10-20 points lower than my other scores and those are reporting collections. I guess maybe I need to pay down some of my balances and just wait it out a little???

Thanks

Shannon

What are your balances and limits for ALL of your revolving lines?

Re: Rebuilding my credit - TU is lowest score

Anonymous — Fri, 01 Jul 2016 22:52:33 GMT

I have 4 cards with a zero balance and 4 cards with a balance of about 50% of the limit

Re: Rebuilding my credit - TU is lowest score

Anonymous — Fri, 01 Jul 2016 23:04:54 GMT

@Anonymous wrote:
I have 4 cards with a zero balance and 4 cards with a balance of about 50% of the limit

Pay off completely the card with the lowest balance. Get the other three to below 30% each. Doing that should net you a significant increase in all your scores, but quite a bit moreso on TU than the others because its a clean file.

Re: Rebuilding my credit - TU is lowest score

Anonymous — Sat, 02 Jul 2016 00:03:38 GMT

Also, check your file account by account for discrepancies in how they are reporting---I know I've caught some that have affected my file.

Re: Rebuilding my credit - TU is lowest score

Anonymous — Sat, 02 Jul 2016 00:33:16 GMT

I was in the same boat until today.... I got TONS of stuff off my report, corrected, etc and my score wouldn't move. Then today it went up 40 points!! It seems to increase really suddenly with TU, whereas the others all updated as time went by instead of THIS much at once.

Re: Rebuilding my credit - TU is lowest score

RonM21 — Sat, 02 Jul 2016 13:54:26 GMT

Norman is right, and once you pay those down, you should see a jump in your score. However, it may not match the other scores. If not, you would have to look deeper into your reports to see where the discrepancies are.