Scores improve over time. Paying loans and cc's off on time will assist in keeping your score more stable and then a gradual ascent as the baddies, collections, and late payments begin to age and fall off. AS always ymmv dependant on your complete credit profile.
Starting scores 01/ 02/2012 EQ 707 TU 733 EXP 735 (FAKO)
Updated scores 06/15/2013 EQ 761 TU 780 EXP 741 (Fico)
Remember the Three P's: Pay early in Full, Pay on Time, Patience
