I have 2 30 day lates from 2005 and 2006 and 5 inquiries: 2 from this year and 3 from 2010.  I have 0% utilization and $6k left in installment loans (I think that is what they are called).  

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Starting Score: Same as current
Current Score: Transunion 786, Equifax 793 (March 15, 2012)
Goal Score: 800

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