 I've paid all bills on time for 3-4 years but still scores are low!
I have several problems showing up on my credit report -
1) too many inquiries - how do I stop these? how do I make this have less impact? what can I do to fix this?
2) collection account - this item is not my bill; this is a medical bill, paid by insurance, but provider says it was not paid and put it on my credit report as a collection, how do I fix this?
3) revolving credit ratio is too high - I only use one credit card, have a $10K limit with $6K on the card - should I get another credit card and transfer half of the balance?
4) new account, too new - I don't have a new account, I just raised the credit limit on my credit card to help my credit score. Did this backfire?
I want to refi my residence but I'm not getting good rates. These are all fixable but I don't know how! I have no judgements or any other negatives.
Please help me get this fixed, I deserve a better score!!!!!! This is so frustrating!
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