Hello,
So journeying on the MyFICO 12 step program has brought me to a holding point. My current scores are TU = 699, Experian = 685, and Equifax = 668. I filed for bankruptcy in late 2003. I currently do not have any balances on my credit cards, and the only general balance that is noted is for the credit card I have to use for business travel expenses (that is also paid off monthly - but shows a 2,000 - 3,000 balance each month). Additionally, one of the 3 agencies stated that I had a current balance of $391 on a car loan that I paid off in 2005, so I recently disputed this. Other than paying my bills on time, not over-applying for new credit, and letting my credit history age, I don't know what I can actively do to up my score. I am looking to purchase a home early next year, and I don't know that just engaging in the acts previously listed will raise all my scores above 700 (since I've heard they take the mid-range). Does anyone have any suggestions as to other activities, calls, letters that I could engage in to toss my score over 700?
Thanks!