Got a SW update today. My recent GW letter worked, removing an account that was reporting 9 months of up to 150 days late in 2007. I was SO excited that I was finally going to be in the 700 club.  It was worth a whopping 3 points, bringing me to 697.  Granted, I may have been rebucketed, but I do still have 2x 60 and a handful of 30s from that same time period.  Util didn't change any, nothing else did.  BTW, util is at 22%, so I know when that comes down after the statement cuts next week, it should be enough to bump me over 700, but sheesh, what does it take???