Ive been reading the forums for awhile now. You guys are very intelligent and so helpful. Sometimes i get discouraged when i see my score increasing slowly if it all sometimes. You guys help me keep my faith when it's tough. I finally decided to join and learn even more by personally interacting with you ficoers!
Starting Score: 501 EX FAKO
Ive been repairing my credit since 02/28/2012. My score was as low as it could possibly be. Now it's at 602 with eq, 589 tu, 650 exp. I don't owe any money anymore but i do have charged off accounts that are now paid. And a 57% ult on tu and exp. No cc with eq yet. How long do my reports need to age before i see real change? Average history is 2.8 years.
Welcome! Good job so far, nearly a 90 point increase! It takes time but you are slowly getting there. 
