My goal is to have a 700 credit score for EX and TU by 1/2014 and Im currently at 612 and 566 EQ with 11,110 in revolving credit. Just looking for some friendly advice on how I can reach my goal
First off, you can change your name. Now I'm hungry!!!! Lol
Tell us what baddies you have and we will try to help you with them.
3 paid collections
2 paid public judgements, but one is not showing as paid, only as civil judgement
1 60 day late payment 11/11
2 30 day late payment 7/11 and 7/12
2 120 late payment pre 12/10
It's entirely possible. I just hit the 700 club this month and I am so HAPPY! It's a great feeling to see all your hard work finally pay off. The best advice I can give it to just keep at it. I started keeping a spreadsheet of every account I had and made notes as I progessed on issues. I also included a section to track my scores and another to pay down balances and track utilization. I listed each account, the limit, the balance, the utilization and the last day I updated it. Whenever I pay down more, I update it so i can always have a clear picture. Whenever you get the urge to max out a card or give up, refer to your spreadsheet! I'm still plugging away on my last couple of items but when I do the score estimator and see that my score could soon be in the 800's, I get butterflies! Good luck to you!