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@Anonymous wrote:I am so frustrated. I have been paying on time. have good income. mailed off several GW letters. and over the course of three months my score is now a grand total of 576!!!!!!!!!!!!!!!!! agggrh .I have bad credit from a peroid of two years ago when I was on WC and was not paid. now waiting for checks but back at work. would it help my score to give an explaination of why my credit took a dive 2 years ago ????? I am planning to refi 2 mortgages as soon as I hit 620. any words of wisdom.??