HI!  I am not sure I cant view my report right now.  Equifax wants me to fax them my DL in order to review my report.  I am assuming it is because I have passed the 6month mark for ontime payments on a CC and car loan and then got down to only two collections.

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Starting Score: August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 648 TU FICO687 EX 660 (CS) 12/16/2012
Goal Score: 720 All Across

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