In 27 days. Ive gone from 12 bad accounts to 6 (will be down to 3 in a couple weeks). Successful PFD's, GW and progression of time have all played a part in this. Ive obtained two secured CC's and I'm now mortgage eligible. Granted Ive spent a lot of time here and my friends are tired of me talking about credit but its been worthwhile so far.
Congrats! I've gone from a 649, down to 635 and back up to 665 in just a few months (I've been active here since March)
It sure feels good.