TU deleted the Gulfstate account again and my account is finally clean. Get this though...lol...my fourth reason why my score isn't higher: Factor 4: DEPARTMENT STORE AND CLOTHING ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS CONSUMERS HAVING HIGH BALANCES ON THESE ACCOUNTS IN RELATION TO THE CREDIT LIMITS ARE MORE LIKELY OF FUTURE DELINQUENCY. LOWERING YOUR BALANCES ON THESE ACCOUNTS MAY IMPROVE YOUR CREDIT SCORE. My only retail card...Target...has a whopping $37.00 balance...lol. L
I had like $2,000 on WAL*MART store card...(ALMOST MAXED)...but added with the $0.00 ($5,300 limit) SEARS store card...I was <25% (store cards)!!! I GOT BALANCES TOO HIGH ON STORE CARDS TOO...
Girl, Somebody spiked their morning coffee. The FICO simulator wants to knock off 20 points if my CC balance drops below $300, but TU thinks anything above $0.50 is a big deal. L [/B][/QUOTE]
