I just found this forum 2 days ago. I had a lot of questions before reading the threads. Most people do not know how to clean up their reports or what their credit scores mean.
I just bought my first car & had no idea what my credit score was or how important.(I should have listened to good ol MOM!)
I signed up for TU yesterday and will be watching. I already have 5 ccs and have no need for more.I will want to get better ones later. I also understand that the TU scores are FAKE but thats ok for now. they read between 652 and 656. I have no co's or late pmts. But I owe too much on my cc's.