After 18 months of working on my credit I have finally reached the 700 club. I don't post much but wanted to thank everyone as I read here almost daily. I have had huge benefits from learning the importance of utilization, to knowing what cards I have the best shot at getting approved for.
I started in the low 500's in late 2006.
Thanks again to everyone for the excellent information found here!-701
EQ-701
TU- 697
EX- 653