Somehow I knew that's what the answer was but I was hoping for a Christmas Miracle. LOL.  Thanks for the info. Time to ruin the ex's holidays with some nasty phone calls. BAHAHAHAHA. jk

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board