My FICOs have gone up about 90 points each since May 11 due to:
- Disputing inaccuracies on my reports
- Writing a few dozen GW letters, and then writing some more
- Got a paid 2006 collection removed by asking nicely
- Adding one new CC with a $2k limit (helped in utl%)
- Requested limit increases on all open cards (while avoiding hard inqs) and got some - also helped in utl%
- Paying utilization down from 90% to 20% (combined with other utl% items listed above)
- And I have resisted going on a WILD APPLICATION SPREE since my scores started climbing (that's the hardest part)
5/11/08 FICOs: EQ - 551
8/6/08 FICOs: EQ - 659, EX - 663, TU - 683