1. Goal, 700+, would love 720
2. Equifax 649 (ouch, took a dive), Transunion est 675 (have not purchased for a few months, however CreditKarma is 699).
3. Mainly paydown and no new applications. Few baddies that are left will fall off this year or next. No baddies less than 6 years old. Agressive paydown.
Starting Score: EQ 679, TU 697