Yes definately, I am wondering tho, why is equifax going down? 

It is at 515.  Do I need to be rebucketed?

Will it take a few months?

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Starting Score: August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 648 TU FICO687 EX 660 (CS) 12/16/2012
Goal Score: 720 All Across

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