Cool - thank you for the response.
I have exactly one negative in terms of payment history or collections - 6-yr old medical collection of $150. Irritates me to no ends.
Plan to tackle the old collections with a GF letter and tackle 2 of 3 inquiries that are still on there by pointing out they are really inquiries into a business I am starting. Getting above to 700 is fairly important for me over the next 6 months, if not over the 720 as the financing I am looking at for my new business will likely require me to cosign.
Starting Score: Equifax FICO 694