So I started rebuilding my credit back in 2005. Had 5 cc charge offs. My score started at like 520 i believe then after a while, hovered at 680 for like 3 years then all finally with in a month went 704, 745, 783! All my bads are gone! I used this to refi my car loan that was 7% to 3.5%. Score went down to a 760 I just paid off the car so hoping my score will go back up!