Just reduced my utl from %64 to %19 and saw a 20 point increase! 562 to 581 in 1 month 
Now we are cooking with grease!!!
I have a student loan that is in default....I am in a rehab program and my 9th payment is in Feb.....that and 1 collection from First Premier are hurting me the most......I wonder what type of boost I'll get when those go away??
FYI.....i don't think i've ever had better than ok credit.....I'm excited to see where this goes
Starting Score: 2/22/12: EQ 530, TU 553, EX 528(lender). 12/4/12 (rebuilding starts)= EQ 599.
Starting Score 9/12: EQ 645 TU 641 EX 651
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