My score as of this month is 416 i would like to break into the 650's minimally by Dec. 31st......i have a student loan i never been late on and 3 credit cards.  What's hurting my scores is collections from previous years and my cards been late since loss of job in July 2008.  I am currently unemployed...and not qualify for unemployment...so this journey will be quite difficult to begin with.....

Wish Me Luck!