Well, disputing very old collections helped, I can't even believe my own eyes, TU score on 10/17/07 was 669, today it is at 733. I lowerd my balances on revolving accts, from 18K to 5K, which help the score go up to 683. But revmoving 2 collections and one 30 days late, made the biggest difference, If anybody say you can move the score 64 points in 3 weeks, well....I seen it.
Next step, let the new accts become year or older and it should move to score even higher.
Good Luck!!!!