I'm excited! Just got notice that I got a 43 ot increase! Yay! Still not over 600 but I will take it. I recently disputed two collection accounts removed that were reporting incorrectly. So I don't expect that type of jump to continue but a bump is a bump! Great start to the new year. I've been semi following the bk to 700 plan, with a few tweaks.... But for now we are definitely in the garden, and hoping for some cli in the future! Thanks all for all your knowledge and experiences!! This would have been a nightmare for us if it wasn't for the guidance that I found on here and our atty! So, I just wanted to share and say thanks!