I looked at the report again, it appears they changed the accounts from being open to derogatory and closed. His UTI is 32%. He has made all payments on time in the last year and has no public records or collections whatsover.
So the TU FIco 04 will correct this or help out his score? How does it do that?
I just don't understand why all of a sudden they changed them to closed in TU and not the others. It really did make a dent in his score and took his score from a very decent interest rate to a horrible one!