I began this whole process in August 2001. At that time my Eq was 630, my Ex was 681 and my TU was in the 600s (I didn't get a score until later) I was so naive that I thought simply paying my bills would give me the highest score. This site opened my eyes, and I began religiously following the tips I learned here. Today, all of my scores are over 800 and this morning Eq gave me this message under negative codes: Because your FICO score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as your currently are doing to maintain your very high FICO score UN (freakin') BELIEVABLE. I am writing this message to encourage others. This system is something we can master if we have patience and stick with it. Thank you, thank you for all the advice I gleaned from this board. Knowledge is power! Calypso
