I don't understand transunion is scoring me. I do have four accounts that were paid late four or five years ago. One account being over five years ago, a utility co. I purchased a transunion credit monoriting from fico and the accounts don't add up. It says I have 5 delinquent account history's and I owe a total in other accounts that doesn't add up. I have four flagged accounts one being paid off early, a car loan, the utility co.,which is up to date, a education loan which was paid and the other was a phone company that was paid. I discontinued that service (it does say on the report ,discontinued at customers request) Even with these things I feel my score should be higher than 576. I have paid off all my credit cards and I don't see where my score have gone up, in fact in decreased from 577 to 576 in the last two weeks. Can you help me in getting my score higher with transunion. With the other bureaus my scores are increasing often. Message Edited by RAEVONASTAR on 11-28-2007 03:28 AM