I started creditnet with a TU score of 471...I didnt have the scores of the other two CRA but their reports were worse so I'm guessing they were at least a 471ish As of today my scores are... TU 583 EQ 607 Exp 601 I still have alot to work on to ( Can't wait for CHOD) I just want to thank everyone who posts and answers my questions...and even people who just post so I can read their stories...Thanks so Much eveyone! ME