jandj: There are some other underlying factors that I feel may be contributing a bad image in my part. Mainly the utilization is a bit high between my defaulted credit card (from 2006) that is still on my report, scheduled to drop early 2014, and the current card I have now only having a reasonable credit limit. Unfortunately, I don't believe I'd be able to get approved, but it's always worth a try.
Current Score: EQ 600; TU 652 (as of 12/04/2012); EX: 611 (as of 12/06/2012 per Pageonce iPhone App)
While in dispute, certain aspects of the debt aren't factored in. 
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Possibility? Yes, but then again if it was adding to AAoA and will be deleted, then it could go down. But that's not bad either, another baddie gone and your CR cleaner is a good thing. The cleaner the report, the more your score can grow.
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
