I have 703 this week from the other two agencies and have had that score for a number of months. With the Trans Union it is always 5 to 10 points lower. I always pay at least twice as much as the minimum payment on my accounts. I have serious health problems that limit what I can eat so the food I have to purchase is expensive. That is mostly what I use my credit cards for each month. Rent keeps getting more expensive but since I have lived in the same place for 16 years and my landlord knows about my health and the fact that I am a stable tenant and am never late on rent he has tried to help me stay where I am. I haven't paid any bill late in at least 16 years. That is living on Social Security and a small retirement check. If I could get my interest rates down I could be paying down faster on the the two highest balances. I have stopped using most of my credit cards and should have another one paid off in about 4 months.
