Finally back in the 600's on all 3. And i still have 4 baddies left. Been a good year, to think last june i was in the upper 490s with 14 co's on my reports and down to 4 hard asses but I am not giving up. Also I got a letter from HSBC stating they are giving me a year of APR @ 6% on my Orchard bank card and my monthly payments are .052 of the monthly balance. Thanks SCRA and CB. If only LVNV was this easy id be in business.