I had an erroneous derog from 4 years ago removed from my record this past week. I also got my UTL down from 35% to 4%. I couldn't believe my eyes when I got my first alert from SW today....and much to my surprise and delight, my score jumped 76 points!!! From 655 last week to 731 this week.
And I owe it all to you folks on this forum. I knew about credit scores, but had no idea I could monitor them, and could take an active role in credit score repair. That derog had been on my record since '04.
This is just in time as I just applied for my mortgage on my new home.
Again, thank you all for great tips.