Inaccurate Balances

[Anonymous]

Hi all! I've been doing some reading here, but haven't found answers I'm looking for. I just got CS/CR from all 3 CRAs and they are pretty good, but could be better. One negative thing is too many accounts with balances. But, 3 of these I should be able to fix. One is a Macy's card reporting a balance I paid off early this year. How do I get that updated to a $0 balance?

The other 2 accounts are AU accounts. One, I think, is my mom's card. So, I can get her to remove me as a AU, right? The other, I'm not sure who the main card holder was. Is there a way to get this removed?

Thanks!

[Anonymous]

Positive accounts that are reporting incorrect- you should call the creditor directly-

It is my understanding FICO likes to see half of your revolving account with balances- and UTL under 10%

So if you have 6 cards - 3 or less with balances.

You need to weight the AU (as these are easy to remove and hard to put back on) make sure the AU is not your oldest TL.