You'll have to tell the folks here a lot more about your situation and then they can advise you. Here things they will want to know.
Have you pulled all three reports? (Reports are different from scores.) When did you last pull them?
Do you have any derogs on your reports? Derogs are lates, collections, chargeoffs, liens, judgments, public records, and bankruptcy. If so, list all your derogs.
How many open credit cards do you have on your reports? List each one with its balance and credit limit, like this:
Card 1. Balance = ____ Limit = ____
Card 2. Balance = ____ Limit = ____
Card 3. Balance = ____ Limit = ____
etc.
What other open accounts do you have on your reports? Describe those.
Do you have any closed accounts with a balance?
What is the age of your oldest account (closed or open)?
