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So, before MyFico forums, I started doing some credit management in early february. I didnt know much about it and obviously went about it the wrong way. I took out a loan and paid off all of my balances in full (didnt know about PFDs or disputing wrong info or anything). At this point my scores were around 518 to 530 range. Then I found this forum about a month ago and you can see my sig for the scores at that time. Now about a month later I just ordered my MyFICO scores, these are real FICO scores:
Experian: 632
TransUnion: 644
Equifax: 630
I am super excited, done apping and now time to sit and reap the benefits of aging accounts with 15% util, with maybe some CLIs, it should be down to 7-8% in 2009.
Working towards the 700 club, hopefully by mid year I might be there