Thanks. But I think I am shooting high because my $60k student loans take up 6 lines of credit on my credit report. I don't want to consolidate them because the interest rate is so low. So unfortunately, it is going to take paying off and paying on time Student Loans over time to get that score to budge. LOl.
623: 800
My current credit score is 698
I would like to bring my score to at least 740 by the end of 2011
There was a judgment against me that does not belong to me and I'm disputing it, once it's settled my score should go up.
Besides disputing this judgment, I have no idea what else to do to bring my score up.
1. My FICO score as of 7/15/2011: EQ 621, EX 668
2. Current FICO score 8/25/2011: EQ 700, EX 739
3. My goal is to at least achieve a range of 720-750 in all three bureaus by year end and not to apply for new credit unless I badly and so desperately need one.
I lost my job but I have savings. I spent all the severance pay I have received to pay off my debt. That is why the scores changed in 30 days and should improve when accounts that I have paid off have reported zero balance. I am on track to pay-off ALL few remaining debts, 3 credit cards (5k total), installment (3k) and auto loan within 1 year up to 2 years the most. By late 2013, I'll be debt free. Freedom by 2013!
I'm glad I have found this forum. It gives me inspiration, not to achieve perfect 850, but to stay on top of my finances, bring my life back in order, and achieve the freedom of living without commitments.
Just an update - mortgage rates dropped enough that I am looking at another refi.
Getting better!
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