Once I get my balances down, I should have a decent score, right? It doesn't mention the 3 collections from 4-5 years ago, the repo, or the 120+ late... Hopefully I can get this much higher than a 31.... BTW: It says my rating is "Needs Improvement"... Another way of saying "YOU SUCK!"... Great. I hope I can get to average after lowering my balances... Thanks for the help!