My FICO goals for 2010 are to move into the 700+ club.

Current scores are EQ 665 TU 676 EX 674 (Per LO)

All my chargeoffs and collections are due to fall off between August and November.  Theres's about 5 total.

I have a paid tax lien that will be 2 years old in Feb. Additionally, I'll have a mortgage and 2 car loans that are all paid but with lots of lates. All of the lates are 5+ years old.

Like most people here, time is my greatest ally. I was just recently preapproved for a home loan. We'll see if I get the home as the LO thinks I may need to pay the collection accounts, which would be a dealbreaker for me.

I will let my accounts age and not apply for new credit other than mortgage loans.