2012:
- Improved my score from 547 to 593 with paying down individual utilization.
- Had 19 derogs removed from all reports total, via PFD's, some aged off.
- Added 8 new accounts with limits that helped my overall util.
- Unfortunately, had 6 new 30 day auto lates from Santander hit my report unexpectedly.
2013:
- Increase my scores to 720
- Pay off $3k of credit card debt
- Refinance an existing high int rate install loan into new one.
- Roll the other $3k of cc debt to an installment loan or pay off if I can.
- Have 2 paid collections slated to fall off in the next 2 months.
- Have 2 paid charge offs slated to age off in the next 3 months.
- Refinance my truck after most current 30 day late hits 1 yr in Sept. Currently 13% for 48 more months.
2013 Starting: 593 Scores: 617 (EQfico) 658 (EXvant) 640 (TUfico) | Goal scores: 700 - 19 pos TL's / 5 baddies (1 pd) / 40% reported util
My Wallet: BofA 3k | Kay's 2k | Discover/AU 1.5k | Walmart 1k | Emblem 809 | Amazon Store 700 | Paypal BML 600 | Citi/Goodyear 500 | Chase 500 | FPB 425 | Capital One 320 | Target 300 | Capital One 300 | FPB 300
