With a 604 EQ and 70% utilization...

[Anonymous]

No lates since a 30 in May 09 and a few more lates.  2 60's over 2 years old and a couple 4 year old paid CO's, do you think my utilization is killing me?  I also have a couple maxed cc's in that mix.  

[llecs]

Bring util down to the single digits and I bet you'll see 70-90 points.

[MarineVietVet]

I agree with llecs. Your utilization is probably the #1 thing holding down your score.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Thanks Guys.  I should be killing it off in a month or two.  I'll report back when everything updates.