Credit Score Guidance
looking for guidance on rebuilding!
i ruined my credit throughout my 20s being irresponsible and maxed out my credit cards. currently in the process of paying down my balances.
i only have 2 open credit cards, my barclay is actually at a balance of $894 (limit of $1400) and my capitol one is at a balance of $27.50 (limit $200)
i do have some late payments (under 60 days late) and obviously those 2 closed accounts which closed last year bc i was in a bad place financially and wasn’t able to pay them.
my score did drop drastically and was at a 480 last august after those accounts closed so im making some progress.
why is my experian at a 558 and capitol one reporting a 616? it’s such a drastic difference. since they’re both FICO8 score models, which do i trust to give me a more accurate score number?
no hate pls, i know i messed up and ive accepted that. i’m working hard towards getting my score up.
thank you!