Has anyone had any luck with Medical Data Systems removing baddies off your credit report? I have 2, which are paid in Full ( pd to CA ) - I am trying to buy my first home and these are really lowering my credit score. Based on the USAA simulator my credit score could go up over 100 + points if these were removed - I actually have 1 more also through Berks Credit and Collections..
Also, what effect does maxing out your credit cards have on your score? I have 3 with all maxed ( at least 95% ). I plan on paying off within the month.
According to USAA they are also saying b/c my Credit Limit is less than $1K my score is low as well. (My highest is $750.00)
Sorry for my lack of knowledge, just starting out and you all have been great here and the wealth of info I have found on this site!!!