I got my Macys 30 day late removed from my file and my score jumped from 641 to 743. I could not have asked anything more as i am applying for my mortagage loan next week 
Thanks to this forum i got my score bumped up from 618 to 743 in less then 3 weeks.....
I had balance on 6 cards $5700 two of my cards had 75% utilization. I reduced those two cards to 0 Balance, 1 has reflected in the report another one will come in on 19th. Bought down the balances in cards from 6 to 3 as of date and this will become 1 in less then a week. I had read that having balances on more cards will also impact on the score to drop
So in short
1. 30 day late removal
2. Credit bought down from 5800 to 3200 as of date and 250$ in less then a week
3. cards having balances reduced from 6 to 3 as of date and will be 1 in less then a week.
4. two cards with 75% utilization has been paid in full, 1 has reflected and another one to reflect in a week.
These have improved my score by 125 points
Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Starting Score: EQ FICO 777
Starting Score: TU:650 - EQ: 672
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