I went online to order an Experian report. I'm going to get free reports from Trans Union and Equifax as well, since I've gotten turned down recently.
Anyway, Experian/Credit Expert offered me the score for an additional $3.95, and I went for it. I was quite relieved to find that it was 646, well above 600. Based on the results from certain applications, I figured I was at 580 or so. (If I don't even get offered one of the subprime NextCards...)
One interesting detail from the score report: Your collections are counted at 100% utilization. That helped contribute to my overall utilization ratio of 94%, not too good, I know.
The score analysis was largely doubletalk. Length of credit history was listed as both a positive and a negative factor. Number of accounts (10) was listed as a positive factor. Credit usage, of course, was a negative factor for me.