Thanks to these forms in one month my scores went from TU 595 to 624 and EQ 536 to 612! My goal of becoming a home owner is in sight! And my most recent collection placed on my account last December, with dofd in 09 is comming off due to a bbb complaint. I cant wait to see what impact that will have!
Starting Score: 504 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.