Ok, so I joined at the end of September right? I started taking the advice of the folks on this site and my EQ score went from 583 on 10/03 to 644 on 11/04!!!!
I am very excited, I am in the process of getting my last public record removed (judgement)....court date 11/15/2013. So, I should know the outcome within 2 weeks.
It has been over a month and the results have been awesome. I have had successfully PFD and GW all accounts except for Calvary Portfolio.
I plan to purchase my first home Spring 2014, and I needed a minimum score of 640 to qualify for USDA....but now, I am thinking I can get my score higher!!!!
Thanks again everyone, I know I couldn't have done it without your knowledge, advice, kind words, and support!
012019 Fico8/Mortgage Score: 
Good for you,newmomnewme, congrats! 
congratulations!
I keep thinking what am I gonna do with myself when I finally get past the 750 mark lol
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Congrats! Be sure to try not to apply for anything if your going to buy a house in the spring. A new TL and hp will lower your score.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k