My Start was this:
Credit cards(all turned off after divorce 2009 to control where she couldn't open joints and use)
2 credit cards she opened with my name after divorce
1 card ex wife redirected the bills and maxed out card during divorce 5 lates 120days max and charge off/collection
My utilization on one card before Paid and closed all credit cards was 210%, max limits was $3k, had $7k after she maxed them out
23 collections from bills I thought were paid as well as hospital mistakes and her stuff
Several late car payments in repo status
3 late payments 30 days on one mortgage
3 good car notes paid no lates
1 mortgage paid no lates
8 credit cards paid no lates
No open trade lines for a almost 2 years due to divorce
Today
3 collection accounts waiting to drop off(found the right people to PFD, removed where hospital didn't bill insurance a few times, removed ex wife’s accounts)
Closed and removed all unauthorized accounts
One new store credit card opened middle last year $300 now $500, no late payments pay off all but 10% everymonth, never use more then 60% of max
One new monthly loan(like a payday advance) through my new bank started this year, keep a balance of $10(5%) everymonth never use more than 60% of max
4 No late car payments at all(GW right people with picture)
Took over the payments and took possession car she was supposed to pay on(awarded in divorce)
I bought ex-wife a fully paid for SUV and traded her a car with no payments for the one they were calling me to repo, basically she got something for nothing, and I threw in the custom made Voodoo Doll of her I had made but never used as a rear view mirror ornament 
, stopped the repossession of car and GW (w/divorce paper work) everything on car shows no repo or lates.
1 mortgage 3 late 30day payments(FTC claim disputing now)
1 credit card with 4 late now 30,30,60,90 days not reporting as charge off or collection(GW with picture) still working on GW delete lates
Prayer, rain dancing, tax returns and my share of MY retirement spent to payoff everything!
Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Starting Score: EQ=567, TU=564 4/17/12 
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