I've been a myFICO forum addict for a few weeks now and it has been great feeling like I'm a part of someone else's journey to better credit, mortgage, auto loan, or new credit card. I FINALLY felt like I had made enough progress with the knowledge that I have gotten on here that I wanted to get my actual FICO score. No more FAKOs. When I first checked my scores with Equifax(using their FAKO score) it was bleak. EQ 534 EX 589 TU 557. I even was using CK, QUIZZLE, CREDIT SESAME to try to get some kind of idea of where I was. But there was a glimmer of hope when I checked my FICO Wal-Mart score and it was a 659. Well today, I am happy with the gains that I have made and how much my score and I have grown. My true FICO scores are TU 673 EQ 631 ( a little low but I worked hard to get here.) So I just wanted to share my mini accomplishment so that someone else who may feel bleak about their score can see with a few changes and some great information wonderful things can begin to happen. So, if my scores are trending the way I think they might then my TU score is my middle score and I will soon be shopping for a house. Thanks to everyone for all of your input, opinions, advice, and knowledge. It has been a great help, not just to the OP but to all of us looking to improve.
Congrats, it takes time. Remember, "Nothing of any value comes easily."