I have got all the 3 reports, I have opted out, and I have updated/removed as much personal info. as possible. Current scores are all around 575, I want to be at a 620 or greater a year from now. My main aim is Home Ownership. I have a bunch of good marks, and just got approved for a Cap One card so things are improving and I have had a current auto loan for the past 4 months.
There about 15 negatives to fix! It seems like a daunting task!!!
I got 2 active collection accounts, 1 is out of SOL (January 2006), the other is still within SOL.