Thanks for you help! For the past 2 years I’ve had 3 collections on my report that were all paid. It took me about a year to get the 2 removed but the other still remains. Every account I have is current and my credit cards are all at least around 5% balance. Since subscribing to MyFico my scores have increased somewhat, but I thought with the 2 collections removed it would increase substantially…..or at least a little..…but nothing??? I understand that some “Fako”companies provide credit scores that aren’t accurate, but the scores directly from the Credit Bureaus inaccurate also??? Message Edited by The1 on 06-08-2008 10:23 AM

Message Edited by The1 on 06-08-2008 10:33 AM