I am so excited. I finally had the nerve to have a builder (of my dream house) pull my hubby's scores. She said she doesn't see a problem! Middle score (equifax used to be his worst one) was 643. I couldn't believe it. There are still a few disputes pending, I hope that it won't make a difference once they come back if they come back verified. But Ex has disputes pending and their score didn't change a bit. Anyway, if this is for real, I owe it all to this board. I am so glad I found you guys!!!!