Better Credit Score

[Anonymous]

I am currently a mid 650 score with best score with Equifax.  Experian and TransUnion continue to report vacated Tax Lien and fail to note Satisfied Judgement.  I have a new credit line with NFCU with a balance near my high credit limit.  At what percentage of my balance to credit limit do I see more favorable reporting?  Does anyone know what USAA requires for a minimum credit score and who they pull their credit reporting data from?  I'd like to have a second CC reporting favorably as I try to achieve a 700+ credit score.  Thanks in advance for any advice offered.

[marty56]

You need to reduce the balance on your NFCU to 1% - 10% of the limit.  Check whogavemecredit.com for which CRA the CCC pull from.  I just got a National City CC and they pulled from TU.  I live in Texas.  I also know Wachovia pulled from TU when I opened my checking account,  Iwill assume they do that for their CC.  Try a store card as well,  Ihave one from Sams and I went from a 300 CL to 2400. In about 2 years.

[Tuscani]

USAA pulls EQ.

[Anonymous]

Thank you for the feedback!!  I am currently EX 619; TU 655 and EQ 677 and trying to get where you are.  I will try the Sam's Club card and reduce the balance on my NFCU CC.  Thank you again for your advice.  

[Tuscani]

Good luck!