my scores stink. there is nothing i can do about it except let time pass. i had a tu score of 579. i disputed some info on a charged off cc account. they finished the dispute by putting a balance owed back on it, which dropped my score down to 486. i disputed again to get this corrected, and now my score is only back to 514 after it has been fixed. the credit bureaus and fico are nothing more than a scam to charge banks money to give them info on who they can kill with high interest.