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You may want to also google credit pulls database. It will give you a good idea of what VS requires for a score, and what report they pull.
I agree, i joined this website to learn to better my credit and now its a hobby maybe even an addiction i would say. Must have alot of patience which can get very difficult.
It sounds like I should wait until my scores are up a few more points. I did get an alert today for TU, a card that reported to the other two CRA reported today. I received a 26 point increase!! I wasn't expecting that but I will take it and I guess it will probably ease some anxiousness to see my scores move. I have another payment due on one of the secured accounts this week, so hopefully I will get another increase. The waiting game....