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It has been a while since I have been here, happy to say that I have paid off my mortgage finally. Had to wait till the month of october to get the last deliquency off my credit report so it would raise my credit score significantly.
I have had some luck in getting a small card to continue to work on my score, it is mid 700's now, but that is a big jump from 500 to low 600's a few years ago.
So for everyone working on it, keep tugging away, send in a little extra each time if you can afford it, it is amazing what $10 extra bucks a month does for your debt.
Things are looking up.
Improved Score
Congratulations mate!!!