11/28/08
17 collections
1 judgment
1 positive tradeline (student loan)
FICO 535
11/07/09
0 collections
0 judgments
2 positive tradelines (Student loan and low limit Orchard card)
FICO 642 (Dropped 30 pts. yesterday due to high CC util. Expected scored 682+ next month after bringing util. < 5% and last collection falling off today)
Similar results with EX and EQ (a couple lingering collections due to drop in < 4 months).
Huge thanks to the board for all the advice.
