
From a low of 610 a year ago. Have had pretty bad credit all my life.
Brought my credit utilaztion down to 0 over the course of the last year, this score reflects 25% still. I've paid every single bill and minimum payment on time since I was sued for non-payment by capital one 7 years ago. Cleared $29,000 worth of debt that I've been holding onto at various levels since I was 18. Am 45 now, and I finally feel free. Saw my vantage score (which I know is diddly) is 814 and my hands were literally shaking from happiness. Feels amazing, really does.