Time (itself) is a part if rebuilding we often ignore.
Reading some of the credit scoring information available here has really helped educate me about how too many new accounts drags down scores.
Last thing anyone wants to do is hit their target score yet still not qualify for underwriting due to an itchy, uncontrollable app finger.
Starting Score: 675
@Booner72 wrote:So if you are realling wanting a car and house in 2012, you better nip this in the bud. RIGHT NOW. Or it's not going to happen. Put a picture up of your dream car and house and put it by your computer. That might help you stop applying online.
Good Luck. (One day at a time is good advice).
Good Advice I have a 3 ring binder that I am keepling all my credit repair paperwork in on the front of this binder
is a picture of my little house at the beach and it sits on my desk so anytime I feel the need to app, or go over my UTIL
I look at my binder and all is well 
My little beach house will be on the market in Mid 2013 when the current least is up
and I want to have my scores, down payment and emergency fund all set by then!!!
@ladyvg270 wrote:I have no idea I went from not having a credit card with a score of 480 to having a 659 credit score only having a capital one card and I guess Im just happy to have something I was once not able to have. I got my first credit card in 2008 Im 30 years old now so I was EXCITED. now I just cant seem to stop applying I have stopped for 3 months before then I go app crazy all over again. my credit cards are a half of all the limits.
Freeze your reports, also cut up CC's that you do not need. Get the balances paid off.
