When I started reading these posts in October my scores were 623 (ex) 533 (eq) 578 (tu). Today my scores are 698, 590, and 680!! I was just approved financing through Citi Financial (Namco) for $6,000 to buy a swimming pool for our family! I have used so much of the advice that I have read on here and am working hard to get my scores up to the 700's. Who knows what my credit situation would look like if I had not found these boards. Just wanted to say thanks to everyone for all of the great advice you post on here!