Been working on this for a year an a half.
Got Equifax up to 793 and TransUnion up to 673. (of course credit karma overestimates at 750) Started at 426.
Have several lates still reporting in the two year line on one acct. Its BOA, and even though part was them telling me one thing and the answer being another thing, I don't think doing anymore GW's will do anything on that. They will come off the two year line in July of 2011.
Have an acct with two lates that will fall off the two year line by November of 2010.
Managed to pay cash for everything for the last two years and we are climbing out of debt and saving money too. Very blessed. May try to get a house in July next year after tax return so we have a nice size down payment. Would love to refinance the house we're renting out right now, but have to see.
