I am trying to improve my credit score and any advice would be greatly appreciated. I signed up for Bank of America's Privacy Assist service that provides me with my credit information and according to it my scores are as follows:
I have a few questions:
1) Are these my true scores? Can I count on these scores being accurate?
2) How can I improve my credit if I have no open accounts? I currently owe $508 on a card that had a $650 limit. I am planning on paying this off within the next two months. Would this have an impact on my credit?
3) Am I able to remove credit inquiries from my credit report?
4) If my accounts have been closed, is there any way to get the reports that I made late payments off of my credit report?
I am hoping to qualify for a loan by the end of this year. Any tips would be greatly appreciated.
Thank you very much!