On these boards and score watching like a hawk....scores seem to be stagnant now (espeically Eq) Here's what ive got on my plate...
Positives
5 CC's
Kohls - 20% UTI
Cap one Secured - 10% UTI
Cap one Platinum - 50% UTI (paying this down to 20% this month)
Kay's - 0
Fingerhut - 20% UTI
Negatives
2 Lates On Cap Auto Finance Loan , last late 8/2013
ERC - Paid 2/15
FCO - Paid 2/15
Midland Tmobile - 381.00 (thinking to use Cramming letter here)
Macys - falls off 5/2015
First Premier - falls of 6/2015
Consolidated Student loans - 9 120+ day lates from 2009....defaulted student loans set to fall of 6/2016
Looking to get married and mortgage in 2017.....def need to be at 700 or better by then.
Possible for me to hit 720 by the time student loans fall off?
Any tips for now, I guess short of waiting lol ??
