PayingTheBills ... um..could I get a PM on the email addressee....RJM is next to last on my list of coming closer and closer to the 700 club and the mail is recking havoc on my nerves 
Thanks for the positive comments everyone, I really appreciate it.
I got a new full time job that started on July 24th, and I have been working at my old full time job on Saturdays and Sundays. So I haven't had a day off in over 5 weeks and I won't have one until Labor Day, but with the extra $ coming in, I can pay things off quicker and put some money away for a rainy day.
Keep your heads up everyone, if I can do it, you can too!
Starting Score: 540 EQ 517 TU on 11/17/08
thanks!
that first large increase came when 5 of my student loans were rehabilitated (which made the 5 collection accounts from the guarantor disappear).
That second medium increase came from bringing my revolving utilization from 95% to 8%, (my FICOs went to 627 EQ and 622 TU then) and its now at <1% every month.
Since then I've only had small increases (627 to 638 EQ and 622 to 644 TU), but 4 years from today I will be celebrating a flawless report and I will be 100% debt free. 
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