I just wanted to report some amazing progress!
On April 7, 2011 I signed up with myFico and began working on repairing my credit. At the start of all of this, my fico scores were (lender pulled) EXP 625, TU 615, and EQ 586. I had a total of 10 collections on EXP, 9 on EQ and 6 on TU. I have been working diligently for the past month on paying some collections off with PFD and settlements. I have been GWing like crazy. I pulled my CRs this morning and I am down to 5 collections on EQ (all but one of which is paid and I will paying this later this week), down to 5 on Experian (two have not been paid but one agreed to a PFD and I will paying them as well as the other one this week), and still 6 on TU (however, two were PFD and have been deleted from my other reports, just waiting for TU to update their systems. So by the end of the week there should only be 4 on TU with only one not being payed but will be payed this week). The account that is listed as unpaid is the same on all three CRs.
My fico score this morning are EXP ?, TU 683, and EQ 641. 68 points on TU! 55 points on EQ! ALL IN LESS THAN A MONTH!
My utilization has dropped from 90% to about 10%.
Thanks everyone for the great advice. This forum has been so great!
Starting Score: 615
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010