I know there had to be something good happening when I got a $2000 CLI on my 6 mo old Cap One! I waited just long enough to see the increase post on all 3 CRA and then bought the scores...
655 on EX - tenant screening this week so possible rental history enhancement here... I'm going to call thh screening company and check today.
641 on EQ - from myfico.com
622 on TU - from myfico.com - this is less than the 633 I got from Care Credit when they denied me but still up in the last 6-8 months. :-)
No recent repairs, still have 3 collection baddies from 2008 for a total of about $6000... and 2 old state tax liens filed in 08 and 09 because I didn't do my taxes on time... they released when I filed for my refunds.
Just a function of time and clean payment histories since January 2009.
Growing! Now, anything you can do about those baddies?
Not yet... they're all legitimately mine but no extra cash to try for a settlement or PFD. One is Midland on a Providian/Chase card - I keep getting settlement offers from them in the mail. No communication from the others.
Try and put some money back so when they make an acceptable offer you can pounce on it with a PFD. Good Luck!