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My goal is to pay down my utilization (currently at about 40%) to below 30%.
I'm new to the game, but hope not too late for the challenge. Lurked around forums past month, making a plan. Began today with the 3B. Scores fair.
Goal Plans:
1. Pay down/off all credit cards except one to <10% utilization. (Have PIF 2 of these cards just within the last week)
2. Garden my cards till late in year, as my highest limit one is only a 1k limit, with HD, and age the accounts.
3. Only true credit card ie Visa, MC is a Milestone with a low limit 300, and $99 ! yearly fee. Hope to increase my FICO for a decent V or MC with a higher CLI and no fees!
4. Wait for inquiries to fall off, 2 cards were opened this year, new credit affecting current FICO.
5. Save! Apply what I had been paying towards CCs, to go into a savings account for emergencies. This plaques us often, car, house repairs, repairs still needed.
Hello Everyone!
February is off to a good start for me. I have paid off 2 credit cards as of today and settled one old account.
I will be submitting settlement for 2 additional accounts, hopefully both today (their from 2013 and seriously suppressing my scores)
I will be submitting a goodwill letter to Cap One for a few late payments I have from 2014. I have 3 accounts with them all with perfect history for the last 2 years.
I've been reading so many success stories on the forum and I hope to have my own soon!
Looking forward to keep plugging away for March!
@Cherekas wrote:Hello Everyone!
February is off to a good start for me. I have paid off 2 credit cards as of today and settled one old account.
I will be submitting settlement for 2 additional accounts, hopefully both today (their from 2013 and seriously suppressing my scores)
I will be submitting a goodwill letter to Cap One for a few late payments I have from 2014. I have 3 accounts with them all with perfect history for the last 2 years.
I've been reading so many success stories on the forum and I hope to have my own soon!
Looking forward to keep plugging away for March!
You have had a good February! Keep it up and let us know your progress!
Don't forget when settling to get in writing if you do a pay for delete. Getting the items deleted will definitely yield nice points!