@Anonymous wrote:ok here is what actually shows up on just my credit report.... I've paid off $2053 on revolving which has not posted to my report yet. Congrats! That's a good chunk to pay down.
Score currently shows on Equifax as 601... yikes.... the other one was an experian score. Hi Sarahkay, Are you getting your FICO score from this site? If not, you'll find that FAKO scores are all over the board - from much higher to much lower than a true FICO score. The Equifax site sells both FICO and FAKO scores, this site (myfico.com) provides only true FICO scores.
CREDIT REPORT as of 07/11/2011
Open Accounts Total# Balance Available Credit Limit Debt to Credit Monthly Payment Amount Accounts with a Balance Mortgage 1 $117,402 $4,352 $121,754 96% $995 1 Installment 1 $9,749 $2,148 $11,897 82% $290 1 Revolving 10 $10,759 $3,191 $13,950 77% $267 6 Other 0 $0 N/A N/A N/A $0 0 Total 12 $137,910 $9,691 $147,601 93% $1,552 8
Revolving utilization is a FICO score driver. If you list each of the accounts you have on your own credit report, with their CL's and balances, folks can help give you some pretty good advice as to what will improve your FICO.
One thing that FICO looks at is number of accounts with balances. With your total number of accounts at 12, the general mantra is to make sure at least half of those accounts report a zero balance. So pulling the number of accounts with a balance from 8 to below 6 will be pretty darn helpful.
And, of course loan officers not only look at FICO, but also DTI and other items as well.
they are from my Equifax Complete Advantage Plan.
Open Accounts
| Account Name | Account Number | Date Opened | Balance | Date Reported  | Date of last reported update.Past Due | Status | Condition of account when last updated by creditor or otherwise. Credit Limit|
| CAPITAL ONE BANK USA Show Details | 07/2010 | $0 | 07/2011 | $0 | PAYS AS AGREED | $750 | |
| DISCOUNT TIRE/GEMB Show Details | 08/2004 | $906 | 06/2011 | $0 | PAYS AS AGREED | $1,700 | |
| GEMB/AMAZON PLCC Show Details | 05/2010 | $870 (Paid off) | 06/2011 | $0 | PAYS AS AGREED | $900 | |
| HSBC BANK Show Details | 06/2011 | $59 (Paid off) | 06/2011 | $0 | PAYS AS AGREED | $300 | |
| KAY JEWELERS Show Details | 05/2011 | $0 | 06/2011 | $0 | PAYS AS AGREED | $1,300 | |
| MACY'S/DSNB Show Details | 03/2011 | $0 | 07/2011 | $0 | PAYS AS AGREED | ||
| NEBRASKA FURNITURE M Show Details | 10/2006 | $2,351 | 06/2011 | $0 | PAYS AS AGREED | $2,500 | |
| US BANK Show Details | 02/2010 | $5,090 | 06/2011 | $0 | PAYS AS AGREED | $5,000 | |
| VON MAUR Show Details | 12/2009 | $0 | 06/2011 | $0 | PAYS AS AGREED | ||
| ZALES/CBSD Show Details | 06/2010 | $1,483 (Paid off) | 06/2011 | $0 | PAYS AS AGREED | $1,500 |
Closed Accounts
| Account Name | Account Number | Date Opened | Balance | Date Reported | Date of last reported update.Past Due | Status | Condition of account when last updated by creditor or otherwise. Credit Limit|
| CAPITAL ONE BANK USA Show Details | 10/2006 | $0 | 06/2010 | PAYS AS AGREED | $500 | ||
| GEMB/LOWES Show Details | 06/2008 | $0 | 06/2011 | PAYS AS AGREED | $450 | ||
| HSBC BANK Show Details | 03/2007 | $0 | 04/2010 | PAYS AS AGREED | $3,500 | ||
| HSBC BANK Show Details | 09/2006 | $0 | 04/2010 | PAYS AS AGREED | $750 | ||
| TARGET NATIONAL BANK Show Details | 10/2006 | $0 | 06/2011 | PAYS AS AGREED | $200 | ||
| US BANK Show Details | 10/2006 | $5,074 | 05/2011 | PAYS AS AGREED | $7,500 | ||
| US BANK Show Details | 10/2006 | $3,374 | 05/2011 | PAYS AS AGREED | $5,000 |
May I ask why you closed those several accounts, especially the HSBC and US Bank? I'm assuming an annual fee had something to do with it? Regardless, at a score below 700, having one or two AF cards to help boost your credit profile can be a necessary sacrifice (besides, one can always contact the CCC at time of AF to have it waived as a courtesy). For example, the HSBC card would add $3500 to your overall Util. and credit availability, and once the US Bank ones are paid off, same goes for those two accounts. Puzzles me that you closed three of your highest trade lines, don't ever do that again. 
