Congrats on the 1 pt increase 
PayingTheBills ... um..could I get a PM on the email addressee....RJM is next to last on my list of coming closer and closer to the 700 club and the mail is recking havoc on my nerves 
"Trying to enjoy my NEXT 30 years---DEBT FREE!"
When I grow up I wanna be a GURU!
Thanks for the positive comments everyone, I really appreciate it.
I got a new full time job that started on July 24th, and I have been working at my old full time job on Saturdays and Sundays. So I haven't had a day off in over 5 weeks and I won't have one until Labor Day, but with the extra $ coming in, I can pay things off quicker and put some money away for a rainy day.
Keep your heads up everyone, if I can do it, you can too!
Starting Score: 540 EQ 517 TU on 11/17/08
My HFC Collection Account fell off one day before the 7 year anniversary of the DOFD!
TU QUARTERLY MONITORING JUST UPDATED!!!
MY TU FICO WENT FROM 617 to 644!!!!
Excellent!! I've finally had the time to get caught up on this thread. You seem to have all your ducks in a row and you've got a great plan!! Keep up the good work!!! 
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Thanks! I always appreciate the encouragement I get here at MyFico.
In other news, I had to split my first post into two posts because it got too big, haha. Go check it out, I added new info!
My Cap1 Credit Steps are COMPLETE. Limit just increased from $750 to $1,000! Woohoo for small victories!
See first post for updated journal.
Wow! Just looking at the scores in your sig - you have increased so much in less than a year!!!!
This is wonderful! Congrats and keep up the great work - it is so inspirational to see success stories like this!
thanks!
that first large increase came when 5 of my student loans were rehabilitated (which made the 5 collection accounts from the guarantor disappear).
That second medium increase came from bringing my revolving utilization from 95% to 8%, (my FICOs went to 627 EQ and 622 TU then) and its now at <1% every month.
Since then I've only had small increases (627 to 638 EQ and 622 to 644 TU), but 4 years from today I will be celebrating a flawless report and I will be 100% debt free.