Well...Well... That last collection I mentioned earlier was deleted over the weekend. average score increase was 42 PTS accross the board. These score aren't all that compared to most of the people on these boards BUT, they are the highest scores I've ever had! My EX mortgage score jump 22 pts 682! the other 2 didn't budge (under 660) 😢 I still have a dirty file with paid co's from 3 yrs ago as well as 90 day lates from 3 yrs ago as well. I'm thinking that's what is holding my mortgage scores down. I must admit I keep signing in to look at all those yellow scores!! Thanks to all of you who gave up some of your valuable time to answer my questions and gave solid advise. you know who you are! E!