I'm feeling really hopeful right now!! I got a collection deleted off all three reports on the first try and it was a new collection, I paid off another collection 2/6/2013 which had a balance of $513.00, I've been paying down my CC by paying $150.00 a month and to top it off I checked my account this morning and had a "payment protection" credit of $98.89 on my account. I called Capital One and thy said the credit was valid, I was super excited. 
Starting Score:TU 580 EX ? 1/7/2013
Starting Score: 684
Goal completed! Received a scorewatch alert today after almost a month and was notified my credit score had increased to 766. 100+ point increase in one month!! I had paid off a large amount of my CC debt (90% -> less than 5%) at the beginning of January and its been over a year now from 2 late car payments so I guess those are becoming less important.
Now I'm going to wait a month or so before applying for a Chase Freedom.
I got two major hits that brough my credit score down 30 points which was so upsetting 
. I am working on PFD's, paying down my revolving account balances to 20% usage, and once that is complete saving up money to increase the limit on my secure capitol one card. Other than that I hoping that reducing debt and removing collections this month will help me out in the next 30-60 days!
This month was bittersweet. My scores have gone up an average of about 80 points each through having a lot of negatives deleted. I still have two medical collections on all reports and a verizon late payment that is no longer reporting as a collection and is paid. My scores are over the 640 I needed to be approved for a mortgage. Unfortunately the house I had built was put on the market lat January and as soon as I told my realtor to make another offer I found out it was already under contract to another buyer. So I lost my house and must start the process all over. So I went from a house and no scores to scores and no house. Inventory here is way doen from last year and I don't have the confidence to wait out another build. So although I am very excited about the improvements to my scores I am exasperated at the thought of building another home.
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