Fiiiinally decided to take the challenge!
starting scores are 577 TU and 553 EX.
Have 1 unpaid cap one bill from 2007 for $1100 still reporting bringing my uti to over 200%!! Trying to decide on settling or waiting for it to fall off, also one $50 collection for a medical bill I am still trying to figure out from where?
To start the re-building process I have a $200 cap one secured, $300 FP unsecured and just payed my first 42/mo car payment I got approved for last month. I plan on keeping low balances and hoping to get to the mid 600's and start applying for a mortgage next year!!!
Starting Score: TU 573, EX 558