Hey Carbusys, basically I raised my scores by doing some of the things that are suggested on these boards. I was past due on car loan so I immediately became cuurent. I had no revolving credit, so I opened two CC (CapOne and Orchard) but only Orchard is reporting thus far. And I also had some derogs deleted and PIF some others. Still have some more work to do but I feel so much better because I am being proactive about repairing and rebuilding. Good luck to you on your journey!