I don't think my credit score has ever been over 700, if it was I don't remember it. Pre-hippa got the last collection off, State tax lien never reported to EX, just EQ, and only have 1 CC reporting a balance of about 20% util. Last month balances on all three were about 70%, but since I paid them down over the month EX has gone up over 50 points. Also, my auto installment hit the 2 year mark with perfect history, but I don't know if that had anything to do with it or not. I thought I was going to throw up when I saw 711.
I honestly don't know what I would do without this site and all of you! You all deserve a pat on the back too.