I am so happy to have found this site and look forward to the 2011 challenge!

1.  Your FICO score goal for 2011.  700 club across the board.

2.  Your current FICO score(s):  TU 640, EQ 620, EX ?

3.  The steps you plan to take to achieve your goal:  Conitunue with ontime payments on current debt/loans and open new (secured) revolving account since currently none.  Write GW letters for 2 old CAs.