Now that I got your attention. Like some of you, I was very irresponsible with my credit cards back in mid and lates 90's. I never knew I had credit reports keeping track of my deadbeat self. Unfortunately, I was not aware of any resources at that time to fix or change all of the baddies on my reports. Then in December 2005, I came across myfico website and purchased all three reports and was stunned. My scores were: TU 761, EQ 755, EX 714 with only one active TL, a positive joint auto loan. All of the crud dropped off. I had reached the promise land! From that point on, I strived for perfection. Pay all of my bills on time.
Its nice to see so many options and resources made available to help others. Its even nicer to see so many people offering all of their assistance and experiences with others. Maybe one day in this utopia we spend sooooo much of our time in called myfico.com, we will all hit 850.
NOT!!! FICO will say the new highest score is 950! Darn right I am addicted to improving my FICO scores and creditworthiness as well as helping all of the other addicts