hi, I am a newbie. I have questions about the credit scores. I have been on here all day reading and reading. I have a 30 day late with a mortgage co in 2002 and a 30 day late with a credit card 2003. both are paid accounts. all my other accounts are in good standing but can't seem to get the score up past 650. I have run a search and the screen keeps coming up blank. Is there a step by step post on how to delete inquiries? will that improve the score? Thank you!
Do you have recent inquires due to applying for credit in the last 6 months? Is any other negative information showing on your reports?
