What are all your accounts? List installments and revolving accounts, debt showing on your CR and any baddies. Also list all credit lines for credit cards. Number of inqs in past 12 months, and date of last inq. Last new account date added. That should do it. 
I had some late payments on my car in 2007. It has been 3 months of paying on time this month. TU hasn't updated since November. I have sent out 5 GW letters and waiting for a response back on the last 3. Lst inquiry was December 26th for a mortgage.
ilovepizza wrote:
What are all your accounts? List installments and revolving accounts, debt showing on your CR and any baddies. Also list all credit lines for credit cards. Number of inqs in past 12 months, and date of last inq. Last new account date added. That should do it.
Message Edited by 4kids4me on 01-29-2008 01:13 PM
Well if you do nothing you may get around 3 points when the inq gets a few months older. I ask about your accounts to figure out what your revolving UTL is? Thats the fastest way to move points. We can fine tune revolving debt to tweak, maybe number of accounts with balances. Need to know your UTL. Will need more info to help tune your 4 points.