thanks. i first started watching my scores in april of 06....at the time i was in the 400's due to a bunch of baddies that happened in '99-'01, right after i got divorced. from february of '01 forward i picked up a few subprime ccs, rehabbed my student loans and got an auto loan in '05 (at a horrible 18%, but now refied at a bearable 8.75), no lates on anything but 40-50% utilizations on the revolving credit. i thought that alone would put me over the top. when i checked my scores in 06 (after 5-6 years of good management), i was shocked to see that i was in the 400's. within the past year, all of the baddies except for 6-7 fell off. these 6-7 will be off by january 08. i am hoping for a few jumps each month up to january '08. the bad thing is that i did not know that i needed to have my utilizations between 1-9% and that i needed to have some more positive tl's. sooo, last week i added some revolving accts--i am going to set them up to autopay some small monthly recurring bills, then set up my debit card to autopay the revolving accts off right after they report each month. i am expecting an inital drop with the new accts, but hopefully they will start looking good by jan '08 when i have NO baddies on my report. YAY!
