1. I don't have a concrete goal. I'd like to see 750 this year but not sure if that is doable. I'm just happy to have climbed out of a major slump.
2. EQ FICO 678 (01/05/2011)
TU FICO 700 (01/05/2011)
EX PLUS 702 (11/30/2010)
3. The steps I will take to achieve my goal are to bring my utilization a little lower and to keep making on-time payments. This month marked two years since my last late payment. Unfortunately, I'm saddled with multiple 120 day lates (and a couple 150 day lates) for the next five years, but at least they are aging. I've tried GW to no avail. Perhaps, now that I have two years of on-time payments, I'll try another round of GW.
I currently only have one open credit card and one Amex charge card, so I am considering adding another revolving account.
I'm curious what is going to happen to my scores in the next couple months. I have a couple closed accounts that I am going to pay off so I will have less accounts reporting a balance, but I will lose the effect of those accounts for utilization.
Starting Score: ~500 (12/01/2008)