I'm coming up on a year of being a myFICO member. After nearly a year of digging around on here, reading thousands of post, and trying to get my degree in Credit. I have come to the realization that there is no sure fire method, no absolute, and no fast track method. All you can do is stay the course and be patient. I'm still checking my scores three or four times a day just out of habit. I'd like to take a second and thank the people who took the time to set down and posted there ideas, findings, and experiences that I have had the pleasure to read over the last year. It has been great knowing that I wasn't alone in the pit called "bad credit". You have given me faith in my credit rebuilding journey, and it has been great so far and I owe it to the contributors that make up this forum. My credit is on the rise and looking good. To the people that are feeling helpless and just starting, we've all been there. Even the people with 35 cards on the bottom of their signature and $300,000 in available credt, with the 800 something credit scores. Just keep reading post, follow the directions that the ones before you have laid out, and keep your head up. it will all work out.