Well thanks to all the help in here, my wife's scores are slowly buy surely improving ever month now. from appox. 10 negs on all 3 reports, she has 1 negative on TU, 4 on experian and Equ. Her scores are all basically above 600 now, it has been some work considering that basically all she had were all charge off accounts! Next step is to re-fi her auto loan and get her a GM card.
