My Equifax score has jumped 31 points in less than a month. The great thing about it is that my CC from last month was over the limit. I manage to get it under 9% utl. since then. Also I was able to get an old paid collection deleted and a pfd as well. My crown jewelers account which is older than a month is not reporting yet either. My utl for that account is under 9% also. None of these are reporting yet. I will be in the 600's sooner than I thought! With a GW letter every other week, i'll be sneaking up the the 700's 
Thanks MYFICO!!!!!
Thanks MYFICO!!!!!
Huge congrats to you!!!! 
Hoping to be there soon myself.
Hoping to be there soon myself. 
Before I became a member of myfico, I paid off ALL my old collections: Discover $5800.00-Settled for $2800). Two medical: together under $500.00. Student Loan: $5200-was in good standings. Verizon: $240.00. Global Paments $890.00. Assest Acceptance: Settle for $1200.00. I PAID all of the without a PFD 
I learned about this after the fact. However, I still had one collection that I forgot about...GOOD THING. Its an old nextel bill. They agreed to delete if i pay the full amount (855.00). I paid that this week so i should see another huge in crease in a few weeks or days.
I learned about this after the fact. However, I still had one collection that I forgot about...GOOD THING. Its an old nextel bill. They agreed to delete if i pay the full amount (855.00). I paid that this week so i should see another huge in crease in a few weeks or days. In the past couple of months I received a secured visa card, 250.00 limit and a crown jew. account. Both of these are under 9% util.
Other than those two accounts, i have a mortgage ( which was in pre foreclosure earlier this year: and i am depruting this) and a auto loan from chase. Everything has been current for the past few months and it is paying off. It seemed like i was hearing all these success stories from everyone else but wasnt seeing it myself.......and them BAM!!!! and alert for equifax saying that my score increased from a 508 to a 539. This morning received another alert!!!!!! 579!!!! This is with the collection on my file. Hopefully once its gone, it will put me in the 600's.
My suggestions is the keep everything current and keep those utl low low low. Doing this consistantly will bring you score up.
I still have a couple of paid collections on file but I GW every other week. I'm really not having too much success with them. One of them will drop of in Oct 09
Once again thank you to myfico and all those who contribute to helping me out. When i hit the 700 club, party on me........thats how i got the situation im in now!!!!!