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    <title>topic Re: Success and thanks! in Understanding FICO® Scoring</title>
    <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Success-and-thanks/m-p/263960#M23039</link>
    <description>&lt;DIV&gt;Congratulations on those scores!!!&lt;/DIV&gt;</description>
    <pubDate>Fri, 13 Jun 2008 15:53:19 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-06-13T15:53:19Z</dc:date>
    <item>
      <title>Success and thanks!</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Success-and-thanks/m-p/263867#M23035</link>
      <description>Hey All,&lt;BR /&gt;&lt;BR /&gt;I started reading these forums back in August '07 and wanted to share a small bit of success and appreciation for all the knowledge thats on here and the time you guys spend posting and helping us out! I feel very in control of my finances and credit picture now, which is a nice change from the "fear" of wondering what my credit score was, ignoring it because I "just didnt want to know!"&lt;BR /&gt;&lt;BR /&gt;When I first joined last August I had a BK that was set to fall off in March 2008, and my scores were 580 ( Eq ), 602 ( Ex ), &amp;amp; 610 ( Trans ). I have since thoroughly combed all my reports for errors and filed appropriate disputes, paid my CC debt down to 27% Util, got a 0% balance transfer for a year on the rest and my scores are now 672 ( Eq ), 708 ( Trans ), &amp;amp; 676 ( Ex ) so I have had some nice success by learning, following advice, and being smart with my $$.&lt;BR /&gt;&lt;BR /&gt;I am looking forward to them going up more since I have good habit patterns established now. I really owe it all to you guys and what I learned here, I wouldn't have had a clue how this stuff works otherwise - so thank you very much!&lt;BR /&gt;&lt;BR /&gt;Dave.</description>
      <pubDate>Fri, 13 Jun 2008 14:29:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Success-and-thanks/m-p/263867#M23035</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-06-13T14:29:30Z</dc:date>
    </item>
    <item>
      <title>Re: Success and thanks!</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Success-and-thanks/m-p/263949#M23038</link>
      <description>&lt;DIV&gt;&lt;STRONG&gt;WTG!! &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/STRONG&gt;&lt;/DIV&gt;</description>
      <pubDate>Fri, 13 Jun 2008 15:44:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Success-and-thanks/m-p/263949#M23038</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-06-13T15:44:58Z</dc:date>
    </item>
    <item>
      <title>Re: Success and thanks!</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Success-and-thanks/m-p/263960#M23039</link>
      <description>&lt;DIV&gt;Congratulations on those scores!!!&lt;/DIV&gt;</description>
      <pubDate>Fri, 13 Jun 2008 15:53:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Success-and-thanks/m-p/263960#M23039</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-06-13T15:53:19Z</dc:date>
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