I must say Thank You to all who have replied to my questions and even those who did not reply, you may have posted something that I read and took into consideration to try. This was a long journey and I know its not over yet but I must pat myself on the back for coming this far. Thanks again to everyone. These are my scores from when I first started repairing my credit till now. I must say that I have recently paid my credit cards down to about 5-10% balance so I hope to see an improvement when I pull them again. 

MY Fico Scores

Dated 3/7/04

TU 518
EQ 525
EXP 525


My Fico

Your Latest Scores
TransUnion
624Date: 2/4/2005
Equifax
620Date: 2/4/2005
Experian
638Date: 2/4/2005