249 a year your a better person then me I would have so many toy's. Dont worry you will be in the 700 club very soon it took me 7 years until I got there from 620 and people just killing my credit so you'll make it and congrats!!!!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007