WOW! That's a huge change in two years. Congrats, you give us all hope.At best I think I'll be able to cut mine down to about $1500 or so this year. Hopefully, and I'm probably wishing on a star here, I'll be able to get a few decent balance transfer offers by May which could make it even less. Right now my FICO is 613. Once, MCI takes off it's false claim that I owe them money (Never had an account with them) and the 'Collection Action' drops off my report it should be a lot better. I'm hoping to break 700 once my cc's are paid off. Those were the two biggest negatives on my report.-neondeion
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