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Improvingmyscore wrote:July scores were TU 522, EQ 491 and Ex 472. Today my scores are TU 579, EQ 577 and Ex 591.I have about $49k in student loans and three bad credit cards. I have paid off the cards and now when I use them, I pay online before I even see the bill. I had a tax lien which was filed July 1997 which I have gotten removed. I had a collection account removed. I had a judgment filed May 2004 which was removed from Equifax and Experian when I disputed it. TransUnion did not remove it so I am disputing again. I can see 600 clearly from where I am.Thanks to all for the good advice! My next step is goodwill letters to get lates removed.