Starting Score: 680
I was aiming for the sky when I took the challenge, aiming for 750. When I joined, I had little credit history (a 5 month old Capital One Journey) and didn't know my score. I got a Wally card in March and my score was 710, I got as high as 742 back in July, but honestly haven't been paying much attention to utilization, just making sure I pay in full every month. I finally met my goal this month though, with a 755 credit score!
I was a bit worried because I missed some payments when I was out of power for a week during Hurricane Sandy, but the banks worked with me, reversed the fees and now as soon as I get a bill in my e-bills, I set it as an automatic payment with the bill due date as the execution date.
For 2013, I'm hoping to get a score of 800, build up my savings and put a downpayment on a house. We'll see how that goes.
Starting Score: No Credit History
Current Score: TU 755 (Walmart, Feb 4, 2013)
Goal Score: 750
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