I just saw your post signature - you went from scores in the 400's to high 600's/700's in just over a year?? Please share with me what you changed/modified, etc.? My scores are high 500's and one low 600, and my husband's are about to break into the 600's. Any advice? We have three kids and are living in the small 1500 square foot condo I bought when I divorced my first husband and had my two older kids on my own. I got remarried and we had a child, so it's a family of 5 with a basset hound and a cat, lol! No basement, barely any storage. We are so anxious to buy a bigger home, but our scores are preventing that. Starting in February, once we get our federal refund, all will be on track 100% - no late payments, etc. It would be a dream to be ready to buy/get preapproved next year at this time, or mid 2016! I'd appreciate any suggestions you can offer! Thank you in advance!!
1/9/15: 580/593/603 (me); 599/595/594 (my husband) 