1. Your FICO score goal for 2011:
720+ on all scores
2. Your current FICO score(s):
EQ: 659 (1/21/11 via SW), TU: 689 (1/21/11 via Quarterly Monitoring), EX:???
3. The steps you plan to take to achieve your goal:
Work on removing collection accounts (1 on EQ, 2 on TU & EX).
Decrease total utilization to <10% by paying down credit cards and asking for CLI's.
Continue to pay on time on all open accounts (haven't missed a payment in over 2 years!).
Possibly become an AU on one of my parents cards to increase AAoA.
Ask questions and look for support on this forum when I run into problems!
Good luck, everyone!
Starting Score: EQ: 659 (1/21/11 via myFico SW), TU: 689 (1/21/11 via myFico QM), EX: 635 FAKO