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Walt_K wrote:

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.

 

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Good plan!