My score was once 743...I got lazy and wasn't paying close attention :/ I got close to 91% utilization and 4 collections. Sigh....score was slaughtered. I am serious again and will never let my score fall again. With that said I paid down my cc so only at 7-8% utilization and I have 3 medical bill collections coming off per the CA. That will leave one pain in the arse collections with midland/verizon that I am working a PFD. I need my score to jump from 589 to 700 immediately....what are my chances? I see some foks have quick jumps where others take 6 months +. Help what else can I do before the October update? Thanks so much gurus...