Can someone explain?

[mediak]

There is also a satisfied medical judgment. Was only updated to PAID July of last year because I happened to see it still open, even though it was paid in 2011.

[guiness56]

Get those CC paid down.  One to 0 the other to 9% or below.  Your overall utilization is around 51% which is high.  YMMV but I would say between 5 - 10 points for every 10% paid down.

For the judgment, find out if your state allows satisfied judgments to be vacated. 

[guiness56]

Those merchant cards could be included in your revolving.  How are they listed on your CR?

[mediak]

Right. All the merchant accounts are listed as revolving.

So, I'm guessing the total revolving utilization should be under 50, right?

[guiness56]

Total revolving utilization, for optimum FICO score should be 9% or under.  That is usually done by letting all but one report 0 balances and the last one at 9% or below.

[mediak]

Looks like I have more work to do...it MIGHT be possible to get that judgment vacated in my state...thank you for your help.

[AndySoCal]

What was the PFD attempt on? Also I would consider lowering your credit card utilitzation to the 10 to 20% range which should help your scores.

[mediak]

On that newly reported late. It was unsuccessful.