85 points?? WOW! What did you do for that increase? I've read I need to have more positive accounts than I do to outweigh the negative stuff.
I enjoy reading encouraging stories about people who improved their credit from the lows!
At first, I was very embarrassed by my score, but the forum is not judgmental!!
Every day I wake up and read the Forbes list, If I don’t see my name I go to work!