Life is good. Scores went up quite a bit this week with paying off long delinquent CapOne CC. Had a few COs taken off reports as well but the credit card payoff is what bumped it up. Working hard to get under the $25K threshold to get these tax liens withdrawn and removed from my CR and then expect to go over 700 by end of the year! Learned so much from the folks on this site and the info. great community sharing...keep it up!
Starting Score: EX516
Thank you! 
Thanks Tubesock!
Hello everyone,
(I'm new here and I didn't see a way to do a new post in here so I just clicked Reply to the first one, hope thats alright.)
Anyhow, what prompted me to come back on here again was I noticed that my credit score after many years suddenly shot up to 715, at least as far as Experian is concerned. I used to get FICO scores in the past but found that I wasn't really seeing a positive change in my scores and the monthly fee was a bother, so I cancelled.
Now after being unemployed for 2 months, and facing possible eviction out of a home thats being foreclosed on soon, I am trying to get my debts cleared and get my scores UP.
I have 13 credit cards/lines of credit, 1 of which is inactive/closed by lender. I have an auto loan that is 6.79% and I haven't been late or missed any payments yet.
I pay everything online for the past 10+, which has helped me greatly in being on time.
I have a student loan and no degree, $17,000+. Numerous doctor bills and old collections. Total debt is around $40k. (I don't own the house I live in, my friend of some 15 years does.)
I have been using 3 spreadsheets to track and analyze my bill paying progress, and I've found one to be helping me dramatically of late. It's my "Bills Over 50% Max Balance" spreadsheet. I take the credit limit, divide it in half, subtract that from my current balance and come up with an amount to pay in order to get it under 50%. Then I tack on the average monthly interest to that amount, and if I have the money in my checking account, I go pay it. Oh yeah, it also helps not to make any new purchases. 
I think this process is what shot my Experian score up from the mid 600's to 715 this month. I have 5 more accounts to apply this to and then this spreadsheet will not be needed anymore, down to just 2.
Today I am going to call up each creditor and see if they can drop the interest (again) so I can fastrack my goals. We'll see...
I have a question about which product I should purchase to obtain my pertinent scores, the most economical yet effective choice obviously, I don't want this to cost me too much, trying to survive off of unemployment here!
Also, any advice on the foreclosure stuff for my friend (and ultimately me) would be greatly appreciated. I have heard of NACA, but I'm seeing mixed reviews online. Your feedback is appreciated and welcomed.
Ouch, got anxious, just checked it, and without further ado...
TU 619, EQ 616
Yikes. Gulp. And shucks. WTH is Experian talking about then? (715)