Just checked my Fico Scores

[Anonymous]

Given the # of old collections etc and very sparse good history, I am shocked to find my scores:

TU 654
Efax 635
Exp 658

Some of the items are still in dispute, so is it that the best I can hope is to stay where i am, i.e. if the items come off it won't go up since they aren't being calculated and if they don't it will go down?

[Anonymous]

Shocked in a good way or bad way?

[Red1Blue]

If you make the payments on time and reduce the amount of debt your scores goes up gradually. Use the fico simulator to get an idea how the scores will go up. Also look into start cleaning up the lates/collections and other negative info. Dont apply for new cards as the inq's effect your scores and cause a drop. My scores were low 500's around june and now my scores are around 700 on TU and high 600's on EX/EQ.