Hi Maya.

• Card balances compared with limits

  Experian 52% · Equifax 52% · TransUnion 52%. Balances above 30% of limits are commonly listed as a negative factor.

  See card balances

• Collection accounts

  Summit Recovery (paid, $184) on Equifax. If an item is wrong, you can dispute it with that bureau.

  Open dispute organizer

• Late payments in the last 12 months

  30 days late, Harbor Rewards Card, TransUnion

• Differences between bureaus

  Collection by Summit Recovery appears only on Equifax; Late payment on Harbor Rewards Card appears only on TransUnion

  Compare bureaus

Mortgage FICO means FICO Score 2 at Experian, FICO Score 5 at Equifax and FICO Score 4 at TransUnion.

• Card balance went down at TransUnion

  Northstar Bank Visa balance dropped from $3,100 to $2,400.

  SEP 24

• New inquiry at Experian

  Harbor Auto Finance checked your credit. If you did not apply for credit with them, check it now.

  SEP 20

• Score change at Equifax

  FICO Score 5 went up 4 points since the last report.

  SEP 15