Help with a credit analyzer

when i pull credit it comes with an analyer for all 3. you need to look at what each score will be after you take care of the things it suggests. if its not going to bring up your middle score then i might not be worth you doing.

The easiest and fastest way to boost your score is to pay down your revolving debt utilization. I've read that the FICO scoring models maximize your score when all cards report a zero balance while keeping one card between 1 and 9% of your credit limit. Go to the MyFico forums and especially the credit rebuilding board if you have other issues like collections, charge-offs, etc.

It will raise my middle score a lot. Its nothing bad as I dont have any collections, or past due accounts. the only bad thing is I was late on a couple of cc payments/ truck payment back in 08 when I lost my job. No repossessions or defaults, just 30 days late. 2 of My scores need to come up a little to get a better intrest rate but they are due to my credit cards being too high. I dont have a bunch of debt and it will only cost about 5k to get this where it needs to be. ( after that I will have maybe 2k total in credit card debt)

What is getting me is one report says to pay this to this and this to that and it will increase my score to X. the next report says entirely diferent things. they are both paying down debt on the cards but each one has diferent amounts for diferent cards. Just didnt want to do one and and not get the bump I need.

Would it be better for me to take all the cards and just pay them down to half of the limit? (would be about the same amoun) Im not sure how they view this but need to get my scores up so We can build