ok basically i had a huge error being reported on my credit file. my score is 517 but in part its based on my mortgage which i have had for 72 months, it was reported with with foreclosure process started as well as late payments from march 05 straight to october 06 going as high as 180 days late. this has since been corrected and now the account shows no foreclosure listed anywhere and all late payments and all negative account history as being completely removed and 72 straight months of perfect history, my question is when my score updates what kind of increase in my score can i expect, now that i have a perfect mortgage history instead of the bs they were basing the score on before. thx alot everyone