Just an update:
Paperwork filed on Friday to vacate judgment. I am so ready to see that come off.
I have been at 100% uti on my cc and I made a large enough payments to bring down the uti to about 80% overall. One payment finally hit and I got a SW update that my score jumped from 583 to 597. I love seeing it climb. I have 5 cc so hopefully I will get some increase from all of them being reported.
