My current FICO's are TU 629 (came up 97 points since 4/13/09) and EQ 601 (only came up 18 points since 4/13/09).
My goal is to be in the 700+ club by YE 2010.
I recently obtained a small secured loan through the credit union to establish some good payment history. I deposited the loan into my savings account and setup automatic payments (set it and forget it!). This will only cost me $26 for a 12 month loan. I have a foreclosure on my credit that should be coming off this year and when it does, I'll be able to get an unsecured cc from the credit union. I can't say enough about the credit union. The loan officer advised me on what I need to get off my credit report, what I need to get on my credit report and how to establish a better relationship with them for future transactions (hopefully qualifying for a home loan).
I currently have a low credit limit cc that I paid off in December and will only use every other month and pay off immediately to keep the card active.
I also have some medicals on my CR that I intend to start getting off by the end of this month. Time to take a swat at the whole HIPAA process.
Good luck to everyone with their 2010 financial goals!
Starting Score: TU: 606 EQ: 600