540 aug 08
593 jan 09
had several collections deleted and pd/sttl'd 4 accts... but i have a lot of inquires and unfortunately was an app addict until 12/30/08. i will not apply for anything else except when i refinace my car, maybe in the next yr, thru 1 of my 2 cu's.
i am working on my utilization which is the other thing that is killing my score. having added health ins to be taken out of my pay check starting this month, i don't see it my balances going down until maybe may 09.
wish me luck!!!
I started rebuilding in Feb 2008 with in FICO scores in the mid 400's. As of today, my all my 3 FICO scores are in the 730's!
Phew! It was a lot of work.
A year ago all of my scores were around the 550 range after reading and following sound advice from the forums, my lowest score is now EQ at 701. I was just approved for a USSA CC at 7.9% with a 15K limit. I want to thank all of the people who shared their experiences and advice to get me where I am today. Next step is to buy a home near the beginning of 2010.
Jan 08 574
Dec 08 See below