Just received my new Trans Union report and they FINALLY removed the negs for Retailers National Bank (the other bureaus removed it 2 months ago) and my score went up 21 points! It is now at 772! WOOOOHOOO! I checked it immediately after they deleted it and it showed my old score. I guess I did not give the score a chance to change. Anyway, I'm very happy right now. Thanks to everyone that helps me every day here. I would not be in the position to get a new home if it weren't for all of you. Thank you. Thank you. Thank you. We plan to apply within the next couple of days. Wish us luck!