Last March, my Equifax FICO score was 550 and there was no light at the end of the tunnel. Yesterday, my file went to underwriting for my brand new house! My scores are now: Equifax 646, TransUnion 656 and Experian 668. Thanks for all the knowledge and support! Hopefully I will be closing on my new house in a couple of weeks.
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.