I was able to get a free one year sub. With TrueCredit because of a miss happen with my mortgagee co.
1) Question I just pulled my scores using myfico was transunion= 686 and TrueCredit=663; why is there a difference?
2) I have four negatives factors; four accounts with 30 days past due 9/1999, 9/2001, 11/2001, 5/2002, and 6/2003 reporting from all three ccr, where do I start?? Do I send letters to all three? Does anyone have sample letters that was successful on this subject?
3) What do I do about "The proportion of balances to credit limits on your revolving accounts is too high"? I do have credit card with a very high limit with 0 balance:
Credit Cards
$4800 = limit $5000
$3900 = limit 10500
$4004 = limit $4900
$3112 = limit $5800
$0 = limit $15000
Do I need to close any? If so, which ones? I need a 0% so I can transfer, would good. I'm trying to get in the 700's so I can get better interest rate for my investment property.