I'm Bo Majors
 I got my totally free credit report, flipped out, paid bills, asked for credit help, got new good credit and disputed errors on my credit report.

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E-mail Bo Credit questions.
My credit help blog
 

 I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thank GOODNESS for your website. IT WORKS!
real person

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 Real Person
 How come I pay all of my bills on time and on my credit report everything is pays as agreed and never late and as of right now I have one credit card that is $2000.00 and I pay more than the minimum and two vehicles and a mortgage but my credit score never seems to go up. As a matter of fact when I refinanced my home and they pulled my credit report and saw how good my payment history was the loan officer said I dont see why your credit score is this low because everything on your credit is pays as agreed never late. Is there an error with the credit bureau with the score calculations ? my score is only 652 and it should be super high because everthing that was incorrect I disputed it was deleted so why is my credit score not rising ? Do I need to contact the credit bureaus about this?
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Bo
I bet it is too much owed on too many new accounts
Get everything down to less than 80 %
Even so
651 is pretty good
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Real Person

Ok my mortgage is 131,000 and one vehicle is 20,000 and the other is 25,000 and the one credit card so is that why and to what should I try to get those down to because with houses and vehicles is kind of hard to pay big lumps some on those.
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Bo
What matters is how much you owe to how much you were allowed to borrow on each account
IF
You owe more than 80% on these YES
That is the problem
Over time these will come down and your score will go up
OR
You can lump sum it and fix it now

Cl
 I just closed out a bunch of old credit cards that I had open with approx $30000 in credit. This has negatively impacted my score. Can I reopen those accounts to increase my score again or is there another ideal way to get my score back up.

 I did not have any balances owed at all on them. I just closed them out because they were old credit cards I never used. Should I still reopen them to upgrade my score.
that should not hurt your score something else happened

Something got more than 2 years old
Something might be one day late.
May may not have 3 rated open lines of credit.

 I would open up at least one I guess and see.