My TU report is perfect - no negatives. The only bad thing there is very high balances on my credit cards which pull my score down. Each month I pay a little more on each card, gradually reducing the balance. I do not use the cards any more, I just pay them down. My score went from 702 to 698 by reducing my balance by about $100. Then it jumped to 728 by reducing my balance a little more. My Equifax score (through CE) started at 666. It stayed there until a paid collection dropped off and jumped one point for that. It stayed there, never moving, until today. By reducing my debt by another $100 or so, I lost 13 points. No other changes. This whole thing is stupid. I try to do the right things. No inquiries for 8 months on any of my reports. Stopped using all my cards so my balance decreases every month. Got my last negative off my report. I have done everything right and I lose points. I don't need an answer, just venting.