i was trying hard to get my utl to 1% but managed to get it under that amount which is good and bad. * myfico sw equifax went from 530 to 564. *today i checked and it went to 572. *i should be able to get 1 definate collection account removed and then def. have my cc at 1% to see the score changes. *does myfico transunion have scorewatch?*
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