I always avoided checking FICO scores and relied of FAKO and reports. CK shows 579 or something but today I decided I will pay for all the 3 scores and see where I stand. Good thing it is higher than CK. Also paying off Amex felt good, but that hasn't made it to the reports so by the end of this month I should see another bump of 20 points or so.
Runnig that simulator, it said if I pay bills for next 2 years my EQ would be 200 points higher than it is today. But of course TU & EX don't really go high on the same simulation. It does help that no collection is being reported to EQ but has 2 open accounts one of which will fall off Sept 2016 and another Nov 2016.
In one year I should reach high of 700s if everything drops off as per the schedule and by then I should have a better file to try and get Amex too (other than just Optima whiich I am still waiting for)
Grats 
Congrats
Thank you all. It does feel good to see things falling off the report and seeing those numbers go up. Hope this trend continues