Wooo. Thanks, folks. In the 6 months since becoming obsessed with this forum, I've pulled up my Equifax Score from 610 to 702!! A large portion of this was sending the right email to the right CEO at a collection agency, but I couldn't have done any of it without you guys. Experian is up to 658 and trans union is 678. All 700s here I come! Question, Equifax has a little calculator to let you know how best to improve your score, it give pretty dramatic results for me paying 2000 down on my existing 7000 in revolving balances (about a 40 point jump). In your experience is this likely?
It has to do with your credit to limit ratios. Although the simulator is just that, I've read testimonials that people see a big jump when they lower their ratios. Congratulations! I will be there sooner or later.
