My credit score is around 650 (+/- 5pts)
Based on my own research I think I have three contributing factors:
1.
In 2011-12 some late payments on loans, all has been paid and closed. No collections though.
2.
In 2016, mortgage was sold and a processing error caused a 30 day late. Disputing, but think I only have a 50% chance to get removed.
3.
Revolving lines were being used at 70% available. 3 cards, one was 100% used and maxed out and the other was 97% used. The last one was about 50%.
I paid off all credit cards down about 15k to about 18% utilization. Now total utilization is about 18% and each card is below 20% utilization.
Does anyone want to guess or have an idea how many points my score will jump after the new card balances are reflected?