For those with credit scores around 720 or above.  Congratulations.   My Transunion and Equifax credit scores are 705 and 702 respectively.  So im on the right trail i believe in joining the club.

My question for this group is how many dings do you have on your credit report, and what type are they?

Personally i have three late pays 60 days or more, 1 collection, 1 inquiry in the last year, So by knowing whats on your report on a summary levell, hopefully i can guage how close i am to making this 15 point increase in my two FICO scores.    Any help you would give me would be appreciated.