Well it looks like you've got some negatives on there that need to be addressed. Like I told you in your PM, get those CRs pulled from annualcreditreport.com so we have a little more information to go on. Then we can see exactly how old these are and form a gameplan on tackling them.
Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness ChallengeCurrent scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.