I had a dismal 2007, 2008 and 2009, and am just now starting to get any traction on credit repair.
In 2012 I will be working toward raising my FICO above 700 by: (1) keeping utilization on credit cards below 10%, (2) paying student loans down $10,000 over the year, (3) keeping to a budget, and (4) getting at least one collection off my report via goodwill.
Starting Score: 653 (11/1/2011 TransUnion)