GregB wrote:Just guessing, but do you have one small collection for less than $100 or just one late payment a couple years old?
Interesting, GregB - I have two thirty-day lates on a Capital One CC from 2011, one medical collection for $40, and the bankruptcy from 2004. Aside from that, I have approx. 15 positive tradelines, util 1% of about 15k, and a mortgage we've held for two years with no lates.
So, how'd you guess? 
Starting Score: Jan 2012 – EQ 582, TU 615