My score is near 600 on all 3 bureaus. My balance ratios are close to the limit. I can't seem to get it in the 600's. My experian is 37 positives with no negatives. My equifax has all positives except 1 charge off from Profidian which will delete off in Oct. My Trans Union is my worse report with 6 negatives which will all clear by Dec except for the last one which will removed in 12/02. I have the following cards and limits: I am seeking suggestions from others to improve. Mayors Jlrs 4,000 FCNB MC unsecured 750 limit Reeds Jlrs 2,750 Radio Shack 750 Dillards 500 Amer Airlines 1000 Next Card secured $760 Marshall fields 300 Central Bank $2500 GECC Best Buy 500 Target 500 Capital one $3,900 FCNB eddie bauer 850 Goodyear 500 Bankfirst $1,450 Gateway 1,650 Orchard Bank 3,000 Orchard Bank Visa 1,000 Lazarus 1,100 Capital One Visa Gold 500 Household Bank 500 Chevron credit builder 300 United Airlines 1000 I know I probably have too many accts. Any suggestions??
The orchard cards are 1-2 years old. The cap one is about year and a half. some of the others are 1yr old but many of them are within the last 6 mos.
you didnt provide much information. But I can suggest the usual basic credit repair tactics. 1) Keep your OLDEST accounts. no matter what it is ..keep that bad boy open. 2) close the other little ones with small limits. Keep the big limits cards.... 3) pay off as many cards as you can to help ratios. get all cards near 15-30% utilitzation avail.credit. Good luck!
I agree w/ the rest - close as many as you can. That is way too many open accounts. Plus the fact that many of them are less than one year old lowers your score as well.
