I went through a divore in 04 and dropped from 820 to 495. Fast forward to 2010 and I started repairing my credit etc: Now I am a 700 with 4 remaining charge offs falling off by January 2016. My credit report will be clear of all negative information by January and I have piggybacked on my wifes credit and have currently a new 16 Silverado financed 4 months ago 3.2% a Green AMX card and a 7500 limit Wells Fargo CC. Since 2010 I have bought 4 new cars and all of them financed and paid on time. I now have 2 car payments , run under 10% on my CC’s and pay them off in full every month. I am so close to realizing this dream of being back where I was in life that I am wanting advice as to how to raise my Credit Score up towards the 800 mark and the fastest way. Also what credit monitioring service is the best and cheapest way to go. I have looked at Equifax and Transunion score and report service however you cannot access Experian. I am wanting an inexpensive way to track my score and reports. Also , is being an authorized user on my wifes Capital One and other cards still helping my credit or not? Thank you very much and I am excited to have found this forum..