Been working on rebuilding my credit in earnest for the past 3 months. I paid down both my CCs to between 10 and 20 percent utilization, 1 baddie fell off and I disputed 1 item that was removed.
I get a quarterly score from my Credit Union; my score was 562 when I got my last score in June. I went on to check my account this morning and I see that the third quarter scores have been posted and my score is now.......
645!!!!!!!
I have no doubt the score is valid because they are a direct mortgage lender and the score I get from them is always the same, if not 5 -10 points LOWER than the score I get from myfico.
So again I say, WOO HOO!!!!!!! 
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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