Laz, are you apping for anything anytime soon? If not, then there's no huge rush to get your score up. If so, I would bring down those balances quickly.
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
no, i'm pretty much done apping....just opened some stuff up in the last couple of months.
however, i am going to go talk to my credit union, because i applied for a debt consolidation loan & got denied. since i already have a hard on my report, i want to see if they will approve me for a credit card. i'm sure that will grow with me!
it's not really that i'm in a hurry to get my scores up, i would just like to see some improvement. for now, my goal is to get each of my scores above 650. i believe llecs told me my scores will officially become "good" according to fico when they hit 660. that would be nice, too. 
thanks again for all of your knowledge!
You're so welcome.
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge