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Happy New Year!!!!
in 2012 I plan on being Collection free
I also plan to add 325.00 plus a month to my emergency fund
I hope to have an AMEX Zync by 11-2012
What are your 2012 rebuilding goals???
My score took a dive about a month ago due to a new collection from LVNV popping up, so I feel like I'm back at square one. I sent out DV's to a few CAs (and one PFD) at the end of the year, and I received all of my green cards back so I'm just waiting to see what happens with that. If the two come back verified then I will offer PFD as they're both outside of SOL so that's what I'm interested in.
On the other end of the spectrum I'm hoping to increase my score/AAoA until about mid year (so no new apps!!!!), and see how things look and evaluate the possibility of applying for new credit. I opened an AMEX Zync not too long ago, so hoping to build a relationship with AMEX so that I can get approved for one of their revolving cards.
Happy New Year!
I'm hoping to get results like the one you have hoping...
My goals...
1. Get rid of as many of my dozens of baddies as possible
2. Get 2 secured cards
3. Start an emergency fund!
My goals:
Get all collections and PRs off my reports.
Qualify for a mortgage
Keep laser focused on improving credit.
Goals are great! They are the start of a plan....
But goals need a plan to carry them out. Removal of adverse items requires a knowledge of the process.
By far and away, this site is the best source I have come across for help in developing a solid plan, as the advice here is both solid and fairly objective.
By being on the site, I would suspect you have a head start in putting a solid plan behind those goals!
Best luck in the coming year!