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[haulingthescoreup]

OK, so really, your only real negative is the low age of your history, and of course, the new account/ seeking that goes along with short histories.

No lates, good util. So what is left to work on is negative #4, too many account with balances. Go ahead and start PIF'ing all but one of your cards online several days before the statement is due, so that they report $0. Let that last one report a small balance, and then don't forget to pay it off.

This should help some, but since it's the last negative listed, that means that the age factors are influencing your score more, and only time and patience will fix that. But reducing the number of accounts reporting balances ought to help.

[Anonymous]

thanks.....All there is to do now, is wait until TU comes back..

[Anonymous]

Update----My Equifax went up 26 points more--Once all my cards updated , leaving only 1 with a balance---Now My EQ is 726 and Exp was 720 when It was last avaliable---My TU is 640 with still 2 med collections remaning on it--1 which Im hoping will be deleted 2 weeks from now---As for the other med I will deal with that later.

[haulingthescoreup]

That's very impressive --a 26 point increase from reducing the number of accounts with balances, when that was the #4 comment! (They're listed in decreasing order of impact on your scores.)

Good luck with the med collections.