I'm BRAND new to this. We almost moved a couple of months ago and I started poking around my credit. Found a mistake (shocker) and just got that corrected. I've used true credit and like it, except for the FAKO score as I've learned it to be. The good news for me is that when I got my FICO all three were higher, EX considerably.
I've gotten my score the old fashioned way, by paying on time. I haven't done anything to improve my credit purposely, yet. I carry an AMEX balance (I PIF each month on the due date). I may try paying a week early for a couple of months to see what happens. I use the AMEX for almost all expenses. My wife used one as well, but... Well let's just say she is now on a "cash only" basis for a while. At least she realized it and no lates.
From what I've read, I have WAY to many accounts. I closed one home equity loan (this was the late pay referenced above and I thought it was closed in 2005) and am considering closing another. The "other one" is one I used to finance my wife's engagement ring for a couple of months in 2004. The CL is $9K and I will never use it again. Just not sure if it will help, or hurt to close.
Your Latest FICO® Scores
TransUnion
Date:
11/23/2008
Equifax
Date:
11/23/2008
Experian
Date:
11/23/2008
Starting Score: 469
