I checked my Equifax score on the free trial at Myfico.com and it was suprisingly low at 660. My creditKarma score is 689 and my Quizzle score is 684.
My bad things on credit are 1 late payment about a year and a half ago, 1 hard pull showing on Myfico, and about 4 months ago high utilization. Since then my utilization has been under 20%.
Does credit really take that long to go back up after doing things I shouldn't have done?