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@Djamescarter wrote:
Learn and understand more about credit.
Keep utilization down.
No more HP's this year. (Forced to get a new car when mine was flooded by a broken water main)
Great goal!!!
I just applied for 3 cards this week, and now have 5 open cards,
my goal this year is to not apply for anymore cards and get my FICO's to 760+
My top credit goal for 2013 is to have all CC paid off (achieved as of 3/15/13), pay off closed account with GEFunFinancing (achieved 3/15/13)
pay off closed account with Chase (achieved 3/15) have the Tax Liens removed entirely from my CR ...(just got "Withdrawal of Liens After Release" forms and letter from IRS last week...sent in to the 3 CBs ...just waiting for them to delete! Now, all I want is to see my scores in the 740 range accross the board and get approved for a mortage by September this year (am 1/3 the way saving for the downpayment)
Well
Despite all my efforts (paid off CCs as of 3/15) got deletion of Fed Tax Liens (deleted totally from CRA TU and EXP- EQ still won't delete as required by IRS For, 101619A) no new HPs and a great redux in utilization (down to less than 5%) I experienced a 24pt drop in my TU FICO score. Its going the wrong direction! I'm totally frustrated and at a loss as to what to do next.
To have 700+ scores on all three CBs.
my goals -
PFD the 3 collections on my reports
garden and carefully manage all my new TL's/CC's
wait for a judgement to fall off in November
so that I can:
eventually get approved for a Walmart CC
drop First Premier before the 2nd year starts and get approved for a better major bank CC
qualify for a better interest rate to refinance my car loan
if I can do all these things my credit will have improved so much by 2014. excited to get this done!
Watch my last negative item come off my credit report.
Garden until 2014
have all 3 credit scores over 720.
@PSouz wrote:I just applied for 3 cards this week, and now have 5 open cards,
my goal this year is to not apply for anymore cards and get my FICO's to 760+
damnit, I failed my goal and applied for the CSP, got approved at least, but now I am seriously not going to apply for anything else this year!
Raise my scores to mid to high 700s and use only 10-20% credit
1) Never make a late payment again.
2) Realize that if I can't pay for it in cash, I can't afford it.
3) Pay off my BofA card that has an AF. Or at least pay down to under $1000, wherein I can BT to a Chase Sapphire or Amex BCE, and close it.
4) Figure out what to do with my rewardless Zync card.
5) Keep my balances low and savings high, so that I can purchase a car in 2014.