I took my head out of the sand in December after reading this forum everyday and decided to try and fix my horrible credit scores. TU 480, EX 512, and EQ 506. After just a few short months here are today's scores. TU 686, EX 671 and EQ 601. I know they are still not great but I am tickled. 
THANK YOU! for all your advise
Starting Score: 766
That's incredible wf! Congratulations on taking control of your credit life!
That's a wonderful score jump. Keep up the good work!
That's a wonderful score jump. Keep up the good work!
Sorry, I tried to answer your question but it was deleted by Byrdman
Freeman, please read the following threads as it pertains to using myfico.com. Thank you for your contributions to the forum.
http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=3
http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=21
http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=2
Feel free to post a response to the answer after reading these threads.
Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=3
http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=21
http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=2
Feel free to post a response to the answer after reading these threads.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge