I just had to say thank you to all on this board. Your help has been greatly appreciated. When I started my Credit Crusade My scores were as follows: Started on 3/2002 TU - 585 EXP - 565 EX - 590 Today: TU - 712 EXP - 729 EX - 722 My last Derog fell off EXP a couple of days ago and my score jumped +49 points Thanks again to everyone leencaci