I just checked myfico Exquifax report compared to Privacy Guard. PG - 692 Myfico - 648 Ugh. Myfico is reporting limits that are acutally now $0 but still show balances and I do have five inquires within the past twelve months; two of which are utilities (cable and cell phone). PG shows this as well. I plan to just pay down my remaining balances and not apply for any credit until this time next year (if the scores are good).
