wow you guys are where i would love to be right now i applude you and hope to someday be where you guys are. My current Score is TU= 563, EQ=596, AND EX= 606, I HAVE 4 accounts thats in the neg but they are paid 1 CAP CARD, 2 MED BILLS, i sent out 3 GW letters so now i'm just waiting, I have one student loan that is in defult but i'm in a loan rehab program thats about to finish with 2 more payments left and they say that would wipe my loan out of defult and put it on the + side, dont know how true that is, 3,400 is the loan ammount. if what they are saying is true how much do u think my score would raise? cause other then that i have no debt and i would love to raise my score, do you guys have any suggestions i can do ?