Started in late Jan of this year. I didn't get my scores for several weeks after I started so I am sure my actual starting numbers were worse. In May I managed to get 3 charge offs deleted from my reports. I'm down to items that only time can heal on my reports. Overall I have managed to raise my scores quite a bit overall and now have slightly over 30K in tradelines. I was approved for my very first Amex a few days ago!
FEB JUNE
EX 602 683 +81 points
TU 596 697 +101 points
EQ 590 644 +54 points
There is a furniture account that has late payments that is only reporting to EQ which is the reason that was is lagging behind. Last late payment on that account and on EQ in general was from late 2014. I'm a 1.6 years since late on EQ and 2 years since late on EX and TU. So far the furniture company has been resistant to multiple goodwill attempts. My other baddies remaining are a charged off Care Credit from 2012 and 90 day late on student loans. I am working on my husband's scores at the same time and have raised his around a hundred points as well.