I did say that I wasn't planning on app'ing until my most recent late hit the 1 yr mark, which is an FHA requirement.. 
And your story is exactly where I expect to be this time next year as well!
2013 Starting: 593 Scores: 607 (EQfico) 528 (EXvant) 626 (TUfico) | Goal scores: 700 - 21 pos TL's / 3 baddies (1 pd) / 75% reported util
My Wallet: BofA 3k | Kay's 2k | Discover/AU 1.8k | Walmart 1k | Citi/Goodyear 900 | Emblem 809 | Amazon Store 700 | Paypal BML 650 | Chase/AU 500 | CapitalOne 500 | Target 500 | FPB 425 | CapitalOne 320
