I just can't believe this is my score. Some of my balances on accounts are lower than what was reported. Maybe my score will go up a little more when creditors report this in the next cycle (I've paid off my car loan and a couple of credit cards). One of the issues lowering my score was that I had balances on too many accounts. This feels like a weight lifted off of my shoulders. It helps to know your score. It proves that all our hard work to improve our credit is worth it. Well, I just wanted to share with everyone. I know we had compared Qspace scores to FICO alot. It looks like Qspace was fairly accurate. Good luck to everyone!