1.  Goal score for 2011 is at least +730 for all 3 bureaus.

2.  Current scores are TU 708 and EQ 673

3.  I don't have any credit cards for the last 5 yrs. and loans (well I did bought a new car but paid cash , big mistake). I always thought that not having a credit card is a good thing, WRONG. I guess to improve my credit score back to where it was is to take out a loan and apply for 3 credit cards. I hope I get approve with my current credit score. thanks in advance.