Hi, I don't know if I successfully posted on Friday.  I was turned down by my credit union for a beacon score of 472.  Yesterday, my FICO score showed over 100 point increase.  Also, how do I delete records that show in both "Collections" and "Public Records" ?  This state posts on both sites, as speeding tickets (1) automatically get turned over to collection agencies and also show up as District Court records.  Thanks for the help.