Have you checked your report? Sometimes you just need to open more accounts.
A good trick is to open like 20 credit cards and lock the card number and throw them in a drawer. That way no one can actually charge anything to them if the number gets leaked and you get the appearance of like $20,000 in un-utilized credit.
The whole system is fucked and it's so insanely obtuse. Like getting a credit check can make your score drop by a point. You can usually get a service through your bank that lets you keep up to date on it for free. There are also like 5 different scoring systems. One actually reflects payments made on past due accounts as long as you pay them with the original creditor and not collections.
The older ones just have a 7 year lock on your score if you get a major derogatory. Sometimes you can get places by calling and yelling at them or just disputing everything and seeing which ones disappear (sometimes if the amounts low enough, they'll just abandon it of you dispute).
Honestly part of it might be because I changed my name... In like 2016 and apparently they have not updated my info even tho I sent it to them. You'd think something called TransUnion would be used to the concepts of adults getting legal name changes :trans-undertale:
Have you checked your report? Sometimes you just need to open more accounts.
A good trick is to open like 20 credit cards and lock the card number and throw them in a drawer. That way no one can actually charge anything to them if the number gets leaked and you get the appearance of like $20,000 in un-utilized credit.
The whole system is fucked and it's so insanely obtuse. Like getting a credit check can make your score drop by a point. You can usually get a service through your bank that lets you keep up to date on it for free. There are also like 5 different scoring systems. One actually reflects payments made on past due accounts as long as you pay them with the original creditor and not collections.
The older ones just have a 7 year lock on your score if you get a major derogatory. Sometimes you can get places by calling and yelling at them or just disputing everything and seeing which ones disappear (sometimes if the amounts low enough, they'll just abandon it of you dispute).
Honestly part of it might be because I changed my name... In like 2016 and apparently they have not updated my info even tho I sent it to them. You'd think something called TransUnion would be used to the concepts of adults getting legal name changes :trans-undertale: