A little History, then to the goals.
I was upside down by $20k, had a jugement for $2k and other past due bills..in 2008 filed Chapter 7. I was a mess. I started reading and rebuilding. My BK was discharged in July of 2008. I had a 403 credit score.
I took out a high interest car note, picked up some high interest credit cards, and bought a house on Land contract. I got a better paying job. I started working hard, and working harder on my credit.
My goal for this year is to get my score over 700. I want to move, and to buy a house in Florida, and ether trade in this high interest card,or refinance it. I recently had the jugements removed from my credit report, I haven't had a late pay in almost 3 years, and I have quite a few accounts open. I have $1400 in Credit card debt and enough cash in the bank to pay them all off at once.
I've gone from 403 to 653+ in the past 3 years....It's getting over the 700 hump I'm working for!!!
Starting Score: 653