Congrats on your progress. You're thinking along the same lines as myself. My state lien will be paid by March and will work to ensure it's removed asap. Have 4 revolving cc's and 2 store cards, also new car payment with 100% excellent payment record. No new apps and will "permanently" garden in 2015 to give current prime cards a chance to mature. Plan to achieve mid-700 scores by 2nd qtr of 2015. Goal?: To move from rebuilding mode of 2014 to "maintaining and raising the bar to the next level" in the new year. Particular reason? Because I want to continually experience the financial freedom I have worked so hard to achieve this year. Each time I got an email or letter from a credit bureau showing another collection was removed from my reports. Having a auto dealer finance manager say "We can finance your car for 4.45% (as compared to 17-19% from the past). Applying for and receiving a Chase Freedom cc with $2K starting limit as compared to First Premier and Fingerhut territory of the past; Working on my hubby's reports and raising his scores as well; never hesitating again to answer the telephone in case it's a collection agency calling about a past due account. To have prestigious AMEX send ME an invitation to apply for their card (didn't take it, threw it in the recycling but the fact it was sent!)
For some on this forum, what I've shared is no big deal, but for me and where I started, my accomplishments are HUGE. Many of the tools I gained from reading, reading and more reading the Myfico threads, and applying the methods shared. I will NEVER go back in the dark hole of financial despair. I'm anxious to see New Year's Eve arrive so I can put new goals and plans into place. I like the new "decent credit me"! 
I'm at the tail end of a rebuild also. Tomorrow or Monday, my last baddie should fall off TU. My EX is clean. EQ is clean in January.
Not sure I will keep score watch. Might cancel prior to mid Jan update. Have started my installment loan, which reports as secured (contrary to banks claims), but that doesn't matter for fico purposes.
Goals, get scores above 720 all three before another app in 2015. If attained, acquire Sallie Mae and maybe Discover It around April 2015, close out Legacy (rebuilder) Visa (discover likes EQ, so waiting for that score to normalize). PC quicksilver one to quicksilver.. Maybe acquire a card or two in November (full wish list, Sallie Mae, Discover It, Chase Amazon, Chase AARP, and BOA BBR).
However, I want to spread the apps out, to keep scores enhanced, want 760 min by end 2015. Also, discover and SM are tricky, they give you better limits if you don't have a lot of cards.
And why stop score watch? Because can save up money to check scores for appropriate apps prior to apping. No sprees here.
Besides credit, since I manage my own portfolio, need to enhance my knowledge there,, and make up some money to buy while the goods are low. I also wish to increase my side savings for future purchases, emergency savings by 180 per pay period (May be more later this year). That's it.
Not sure I will keep score watch. Might cancel prior to mid Jan update. Have started my installment loan, which reports as secured (contrary to banks claims), but that doesn't matter for fico purposes.
Goals, get scores above 720 all three before another app in 2015. If attained, acquire Sallie Mae and maybe Discover It around April 2015, close out Legacy (rebuilder) Visa (discover likes EQ, so waiting for that score to normalize). PC quicksilver one to quicksilver.. Maybe acquire a card or two in November (full wish list, Sallie Mae, Discover It, Chase Amazon, Chase AARP, and BOA BBR).
However, I want to spread the apps out, to keep scores enhanced, want 760 min by end 2015. Also, discover and SM are tricky, they give you better limits if you don't have a lot of cards.
And why stop score watch? Because can save up money to check scores for appropriate apps prior to apping. No sprees here.
Besides credit, since I manage my own portfolio, need to enhance my knowledge there,, and make up some money to buy while the goods are low. I also wish to increase my side savings for future purchases, emergency savings by 180 per pay period (May be more later this year). That's it.
