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thunder7896 wrote:

 

 

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.

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Hi thunder and welcome!  You may  just need to open one bank/national cc.  Then see where you stand.  Folks are in the excellent category (760+) without taking out a loan.  There's probably a few other things you can do if you're at 673 - posting on the Rebuilding Your Credit forums is a great place to find out what to do next.

Glad you're here!