I just got a 30point bump when I checked EQ this morning! Persistence with antagonizing S*ars finally paid off and they cleared *ALL* my lates for the past two years! WOW! Now I just have to work on EXP and TU. I have spent a good amount of time working on my credit, and have seen increases in the past, but this is the *first* time I have ever had just *one* tradeline change at a time, and seen a significant boost. Wow, it feels nice to be a member of the 600 club for probably the first time in 5 years. Next goal: Mid score to be 620. Go, go go !