- 22,083
- 16,320
- Joined
- May 25, 2001
I'll take a referral if someone would like. I pay my bills on time, no idea why my credit is so low (604). I just was about to buy a car so I know there's a lot of hard inquiries right now, maybe wait for that to fall off plus when it updates it will show 0 balance on my 1 cc I have which only has an $800 limit (use it for points/cashback then pay it off before interest hits), then I have a mortgage and car loan both of which have all on time payments. My Transunion shows 3 under derogatory accounts but I can't see them and I have nothing in collections.