I've been reading these forums for about 3 months now and am so glad that there are people out there willing to help each other out by sharing your stories.  This year my goal to is pay down debt and increase my score rapidly.  I'm in the market to buy a house and I want to get the best rate out there!  I just paid of a $10,000 loan that I had from 5 years ago.  It was a great feeling!  I look forward to a great year!