Wow, so I am excited to start this challenge again. So I had some successes and some setbacks this year. Although I still don't have a job (working on it though), and I didn't reach my goal score (I got to 640 once but then that dropped), I developed and have stuck with many healthy financial habits that I did not have when I started the year off. Also, I got a huge victory when I got Honda to not only remove a 60 day late but also a charge-off! I can't really do much about Sallie Mae right now, especially since I don't have a job to make payments. Also, right now I have about 92% utilization (ouch) on my cards, so I will be paying those down this month and my score should improve.
My score is 576 EQ at this time.
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January 2012 Starting Scores - EQ (591), TU (580), EX (576-BOA Pull)
Goals for 2012
1. Obtain Employment!
2. Get 1 to 2 secured cards to rebuild - COMPLETE
- · Actually got approved for a small unsecured Orchard card on 1/13/12
- · Signed up for Open Sky secured card 1/20/12
3. Keep util under 6%
4. Make arrangements on my SM loan so that it's not still reporting 180+
5. Raise credit scores to 650
6. PFD 2 accounts -COMPLETE
RJM - Wachovia, Feb 2012Univ Hlth-Medical, Feb 2012
7. GW 2 accounts
Honda Finance (60-late and CO removed), Feb 2012
Starting Score: 576 EQ 1-12-13