My scores have a lot of inaccuracies in them right now. They are bad but I am working on them.
I have one 120 day late Nov 07 (where from I do not know) that will be taken off this month
I have one 30 day late Jan 05 that will be taken off this month
I have one of my ex CC on my account (99% util and 1 30 day late Sep 06) that should be coming off
I have a GW letter out to Discover to drop the only 30 day late on that account (2 years old)
I have a GW letter out to Regions Bank to drop the 60 dya late from 2005 (student loan)
I have 3 CAs....two of them are my ex-wifes that I can get no cooperation on....
I have one major derog in that I let my ex's car get repo'd...stupid of me as I ended up paying $$$$ money to get it back. GMAC shows me current for 13 months and notes the account as REDEEMED. I am thinking about trying to GW this...can't hurt.
CC util is now 9% down from 79%. Waiting for scores to update.
No late payments (after the corrections) for 3 years.
Anyway, I expect to see scores in the 650's in a couple of months. (they are too embarassing to show now)