Got off from a pretty AWESOME day of past-due bill collections at work and what do I hear ....**chirp chirp** from myfico.com with a credit score change alert...Snatches up my Samsung Galaxy S III log in real quick and .....WHOOOOOOOOOA!!!! AN 11 POINT INCREASE WITH EQUIFAX!!!!! This is without lowering my Util or anything right now im at 98% reporting on 2 of my smaller credit cards (but total util only at 11%) until the next update at the end of January ((had to purchase my textbooks during the holidays so I can be ready for this last semester of college :-)..)) So I'm expecting major gains once the utility on those cards goes back to 9%...
2013....yahooooooooooooooo!!!!!!!
Starting Score: 467
Congratulations!!! Here's to making 2013 a financial success. 
Starting Score: 529
Nice start!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Absolutely!!
This IS awesome! Congrats!
Starting Score: 580