Starting Score: 07/2011 TU 732 EQ 717 EX 702
llecs wrote:Woooohoooo!
A few months ago I noticed that my scores would change overnight when pulled on the last day of the month to the first day of the following month. I do that religiously now. I'd look at your report and look on pages 2 or 3. I bet a TL reached a new birthday or something like that. If I recall correctly (away from the office), in June, my oldest TL increased on TU from 8 yrs and 5 months to 8 yrs and 6 months. This was my only change from one report to the next and my TU FICO increased 40-50 points.
Oh...it was a WFNNB baddie. 30 days x 2 & a 60. I sent them a GW online...got a ph message to call. She said the acct wasn't in their system....came home...disputed...dropped off all 3!!! EQ gave me 15 pts...TU gace me 29!! 
3elizabeth...oh, let me tell ya, a couple years ago I was sitting where you are. It does take time & persistence, but all the advice here works!!! Believe me!
You WILL get there! I promise ya! Have you read the sticky at the top..."what steps do I take?" If not...do so!
Those med collections you have....have you read up on the HIPAA process to get the collections deleted when paid?? (I'm pretty sure thst's how it works) If not...let me know. 
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