Good Morningmorning Desmond,

Thank you for enrolling with CDU! I want to personally take the time out and welcome you aboard. On 10/24/2017, we checkedreviewed your credit check total for updates and noticed that your credit card utiliztionutilization has increased by 40 percent, making the overall utilization 80 percent. It will be diffcultdifficult to seegain a change in your scores with your credit utilization at 80 perecent for optiumpercent. For the optimum score increase you need, your utiliztionutilization should be at 10 percent, andor you will not see any efforts of our work. If you are unavailableunable to getreduce your utilization down, I would advise that you purchase at least two tradelines to offset the utliztionutilization. We also discovered that the MBB was perviouslypreviously disputed online twice, prior to you erollingenrolling with CDU. When aan account is disputed online, you forfeit your abribution rights and rights to reivestiogationre-investigation, so it will take some time to get the items removed.