According to my Privista info (where do I find my score?!?!), I have a 31 out of 100 with the 2 factors being 1. Accounts with Balances (most of my cards are maxed. I will be fixing that soon...) and 2. Length of credit history. I have 7 years of credit history (1.5 after bad credit, though). It shows a 120+ day late as being active (but date of last activity shows 1998: How would I dispute that? I already do it as not mine!)... Once I get my balances down, I should have a decent score, right? It doesn't mention the 3 collections from 4-5 years ago, the repo, or the 120+ late... Hopefully I can get this much higher than a 31.... BTW: It says my rating is "Needs Improvement"... Another way of saying "YOU SUCK!"... Great. I hope I can get to average after lowering my balances... Thanks for the help!
