Whoo-Hoo!! After two years of being painfully careful with my money and paying off all of my bills and cleaning up my credit reports (including innumerable telephone calls, letters, etc.), my recent credit scores are 638, 640 and 645. Whoo-Hoo!! Another three months of saving for a downpayment and I may be able to get a home without going the subprime route!!
Thanks to all the great advice I got from this website. THANK YOU!