I updated my site to give everyone more info on credit scores and what is a good credit score.  I also put links to great sites to get free credit scores online.  In my research I wanted to know what is the average credit score in the US.  I received several different answers from several different reliable sources.

The FTC, FICO, and the credit bureaus all had different answers.  Mainly because they all report credit differently.  FTC does rely on the others to give them credit scores, but th...
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Checked my creditkarma today and showing a 680 credit score!  I think getting one more item removed or getting a little more positive credit will probably put me over the hump.  This is only my TU credit score, so I'm a little worried about my EX, which I think is getting the least amount of deletions.  Still have a few negatives on EX and EQ, but TU is looking good.

Haven't wrote in here for a while, because just been waiting for deletion letters.  I guess I could be posting about what good c...
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So I checked my TU credit score for free today on Credit Karma and my score went up 50 points.  Lexington Law received has removed all of my negative items on my Trans Union, so that is why.  Awesome!!!

Now just waiting on the other 2 to remove their items.  I should be receiving updates soon, so once I get them I'll get all 3 credit scores and post them again, so everyone can see my progress.

I hoping to set up like a forum or posting capability so everyone else can post their results too.  Wo...
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The more and more I look around, the harder it seems to get approved for a house.  Don't worry I'm not getting a bunch of inquiries on my credit.  I've just been calling and checking online and with banks about what they can offer and for what credit score.

It seems now more than ever you need a high credit score to qualify for a home.  The housing bubble that burst has made lenders afraid to lend to just anybody.  They don't want to get stuck with another foreclosure.  That is fine, but it ha...
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So not as bad as thought and now in January it is 638, so 50 points higher.  My credit was much worse a few years ago, but I think several years of being married and being a parent has helped.  I have been a little more responsible and have piggy backed on my wife's credit a little bit.  My wife's average credit score is 680, so quite a bit better, but can still use some improvement. 

I have researched a few options on what we think would be the best options to raise our credit score.  The le...
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