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Since October 2012, when I had an equifax score of 523, I have gained 35 points to bring my current score up to 558! I will continue to follow the advice of the great people on this forum in the hopes that I can get above 640 in the near future :-)
Congratulations! You're higher than me now. I can't wait till over $1400 in utilization and a collection is deleted. I am interested if it will be worth atleast 50 points.
Thanks Sphinx! Yours will come too!
I got about 35 points from a $600 reduction in credit cards, which only lowered me from 100% to 80%. You should see a nice jump.