I updated my credit report today with TC and guess what I saw...the collections Receivables Performance Management (RPM) are GONE!!!!!
My FAKOs jumped from 38-62 pts!!!
Still 69 more baddies to go...ugh...i wish i had paid on time oh well now i am so that is what counts.
On a side note I got 5 overdraft charges on my bank of america checking acct reversed back to me today so that saved me $175...
December is the first month when my bills are all paid on time...trying to get my life back on track...enough of this forgetful laidback no worries student mentality...i have to get married this august and I want to buy a house in two years...need to set my credit straight...hopefully will be in the 800 club by then
Fantastic drv! Hearty congrats! You are taking control of your credit health, and it's improving! Keep up the good work. 
