I finally have a clean report(equifax). With the help of this board, I was able to bring my credit score from a 460 to a 683 in one year. I now have nothing negative on my report and expect my scores to jump once I pay down my balances. I could have not done this without the advice from this board. I would just like to thank everyone here for the advice. I still have some work to do on TU and EX, but not that much. Once again thank you..
