Just pulled my updated scores

I hope to maintain and improve my FICO score to 780 across all three.  In order to do this I MUST gain control over my mail. I can think of two misc bills right now that are at least two months overdue (gutter work and another home improvement project). I tried to pay over the phone, but a no go.  I keep forgetting to mail a check. I will do that on Monday...for SURE!

So here are my scores as of today Jan.3, 2009:

TransUnion = 773.  This is my highest. No baddies.

• You have too many credit accounts with balances.

  This is by design as I have been trying to use some of my dormant cards that I don't want to lose.

Experian = 743.  This used to be my worst but is now my middle score.  

• You have multiple accounts showing missed payments or derogatory descriptions.
  CapOne & Macys 30 day late due to fall off June 09.  
• You have a consumer finance account on your credit report.
  Whatever the hell that means.

Equifax = 730. This used to be my middle but I lost 22 points when I opened a Business Bank Atlantis account 5 months ago.  I thought it would not report to my personal CR...WRONG.

• You recently opened a new credit account.
• You have too many credit cards carrying balances.

I plan to pull FICO every qtr to track my progress.

Sleepless