I have been rebuilding DH and my credit for 4.5 years. We are currently in the mortgage process and hoping to close by the end of January. I will not be applying for any other new credit for us. Our cc's are in gardening mode. We didn't even use them for Xmas. My goal is to break into the 720+ range by the end of 2012. I will continue to pay off cc balance of $2400 to help with utilization and pay ALL bills on time. 

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Scores
1/2008 TU 539 EX 642 EQ 549 (myfico)
1/2009 TU 615 EX 637 EQ 586 (myfico)
1/2010 TU 653 EX 669 EQ 630 (myfico)
12/2011TU 680 EX 690 EQ 673 (lender pulled)
Closed on home 1/30/2012
Goal Scores 720+

Wallet: Amex NPSL, HSBC $5600, HSBC $300, First Premier $250, Credit One $575 (All in gardening mode)