EXP up 35 points...broke 740 what now?

[Anonymous]

I tried goodwill with Bank of America a few years ago on the late payments. They would not remove them. That home equity loan was paid off in May. I also have a 30 day late from a 2012 utility bill. Other than a lot of inquiries and relatively new accounts, my record is clean.

[Anonymous]

I'd suggest hitting up some more GW letters if you have the time and are interested in getting your score higher.  It's taken me many rounds of letters to yield success with some of the more stubborn lenders, but I've been able to crack 100% of them eventually.