Hi, tish, I can't find the original post by Ishmael, but I'll try to jump in.
What is your score now, and which score is it? (EQ-Equifax vs TU-TransUnion vs EX-Experian) And I assume that it's a FICO score, bought here, and not a FAKO.
Look on screen two of your FICO score report. What are the negatives, and what are the positives? These can be very useful in figuring out where you need to go.
What baddies are on your reports, and how old are they?
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007