I just joined Scorewatch because I was curious to see my credit score and was amazed to see my credit score was 671. I know, I know Nothing to write home about but This is a signifigant milestone in my persuit of perfection because after doing many simulations I know that I'm on the right path to my goal of at least a 700 score. Because of my newfound knowledge I won't be getting any more credit cards, I will keep my utilization at 5%, and I'll continue to pay my bills early. 671 was better than was expected and and finally gives me a starting point and a goal.
Moderators and fellow posters please offer me the knowledge that can help me progress....Cheddar I know you're out there......Though I think I've done a great job on my own I need the prefessionals to help me reach the next level and any advice would help. This is a very important time in our lives and within a year I must reach a goal of home ownership. I appreciate all the support that we've recieved from those that responded to my posts but we need some knowledge that will help in reaching the ultimate goal. I just ask that if you can help please read my previous posts and help us any way you can. I thank this forum for basically helping me realize the importance of establishing a good credit history but now I ask you to take us to the next level.