Surprise, surprise, score mysteriously rose an additional 4 points. Double yippee! Thanks to all for kind words. At this point, I'm just paying down balances and waiting. No baddies for several months now, and increases are slow. I think as my balances go down, I'll see more dramatic improvements. Doing the best I can for the time being. I'm actually one more payment from have a nasty $17,000 credit card bill paid in full!
