[rayne428]

What else should I be doing? I have two accounts in collections and I have Lexington working on getting those deleted, I've paid down the balances on my two credit cards accounts that were closed and I now have a new credit card with a $300 limit on it but I don't use it maybe $20 for gas and I pay that off in full every month. Anything else I should be doing? My score hasn't gone up that much, it went up like 20 pts and within about 3 days dropped about 10, I don't see why that would happen, I have the FICO monitoring system and the only reason they have listed is that one of my accounts when form "past due" to "paid or paying as agreed" I don't see who that could hurt my score, if anyone has any other ideas on what I could be doing to improve my score by all means do tell, I'm trying to get out of the mess I'm in by the end of next year :p