CURRENT COMPOSITE FICO · TRI-MERGE AVG
719
+136 SINCE INTAKE
You're inside your target lender's overlay. One more utilization cycle and you're clear to submit.
3-BUREAU BREAKDOWN
Experian
724+142
Equifax
718+134
TransUnion
715+131
DISPUTES ACTIVE
7
3 · Bureau · 4 · Furnisher
DISPUTES CLOSED
11/14
79% removal rate this cycle
UTILIZATION
17%
Target · 9% before Oct pull
RECENT ACTIVITY · YOUR FILE
SEP 04
Charge-off removed · Cap One #7842
FCRA § 623 furnisher dispute succeeded. Item removed from Experian and Equifax. TransUnion pending.
DONE
AUG 28
New tradeline seasoned · 6 months
Discover secured card cleared the 6-month seasoning threshold. Utilization staging window now open.
DONE
AUG 22
Metro 2 disputes filed · 4 items
Round 3 disputes. FCRA § 611 compliance letters sent to all three bureaus.
ACTIVE
AUG 15
Strategy call · Chekelah
Reviewed D.R. Horton overlay. Aligned on Oct 15 target pull date.
DONE
YOUR FRAMEWORK POSITION
01IntegrityCLOSED
02StructureCLOSED
03LeverageACTIVE
04DefensePENDING
05LegacyPENDING
Next milestone: Utilization stage → 9% before Oct 15 statement close.