Estatic to mention I have reached my initial goal for ALL of my scores to be above 620 !!!! I'm still a long shot away from the "good" range, but it's so funny to think that I no longer have "poor" credit. . . . . A little more 8 months ago, my scores were sitting in the 400's with 9 open collections, 15 defaulted student loan tradelines, a charge off of $6300 & no positive revolving credit history.
I've cleaned up most of that with one open collection I'm saving to settle or PIF for & have since opened two revolving accounts with Capital One. I look forward to my next goal of getting all three scores above 680. Hopefully I will be able to accomplish before the end of the year. Thanks everyone! 