Well actually i really didnt do anything but pay my bills on time! I noticed that i had got 30 days late on my installment loan with my bank. Once i went to the bank and paid my minimum payment of $20, I noticed that the next day, that i had Score Watch Alert. So i checked it out and to my amazement it rose to 592 up from 497. My bank had the late payment removed from credit file and i didnt even asked them! Then i continued paying my bills on time and vowed that i'd never be late again, and then my score rose again to 621. Then just last week i had a 7 point increase. Really didnt know why because my scores generally change around the 18 and 20th of every month. I hope this helps but this is all that i did! Thanks!
EQ-628 EX-550 ( last known)
Rebuilding and Reducing Debt, is my game plan.