1.  My goal scores for 2011 is to be at 700 across the board

2.  Current scores are TU: 643, EQ: 650 and EX: 641 (PSECU)

3.  Plans include paying down balances, and controlling my utilization. Never miss a payment and fight off the two remaining collections I have. Staying away from new accounts until December 2011. My plan is to be at least 700 before I apply again. I love this forum!