My scores are below, I want a home loan in may, I have paid off all collections although unfortunately I was unable to get them removed from my report. I have diversified my credit accts, I have 6 cc, a line of credit, 2 auto loans, student loan, all current, no lates in almost 2 years, util up and down between 9-30%, depending on the month, I have been experimenting with this to get the optimal score..... I'm at a loss, I need a big boost bad in the next few months. I am gardening as they say here, no more credit apps until I get a pull for mortgage. Any suggestions would be greatly appreciated and considered!!
Question why 9-30% UTL when the general rule is 1-9% UTL?
This alone may get you a score boost if you can bring UTL down and find the sweet spot that works for you within those parameters of 1-9%