Well she never called me back, but I will try her tomorrow. I have never had good luck with credit, and quite frankly 2.5 years ago I could barely qualify to borrow a clue. I still have a judement to drop off in 2015 (first reported in 08) that I paid in 2010, so that may be hindering me. My scores were in the 590s and we had to finince our house on my wife's credit. I was shocked to see EQ @ 694 and TU @ 712 after a pull through myFICO.
Starting Score: 590