Goals for the new year are to continue the progress I’ve made in 2012: pay off remaining revolving debt, asking for SP CLI when appropriate, cull the herd by closing several CCs, let inquiries/new accounts age, and no apps for anything except a possible mortgage late this year.

Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:June 2013: EQ - 752, TU08 - 753, EX - 730
Goal Score: 760 on each by 12/31/13, Last app - 4/1/13

Take the 2013 FICO Fitness Challenge