Though I may not have yet gleaned(sp?) the answer to my original question, I found Myfico.com today, did some reading and decided to sign up for free trial. It seems like a good idea, good news my FICO score is 653 now and climbing and you can actually use some simple simulations to see how making certain decisions can change your score.
Where would one turn for facts on how individual decisions effect credit scores? Four months ago my FICO was 630. Since then I’ve closed on my first deal and made out quite well. Used $15000 of the proceeds to pay credit cards down to