New Member
Dawgamus
Posts: 11
Registered: ‎09-30-2012
Re: Dawgamus and the deep dark hole of sub 600

Dawgamus Plan of Action

A.        Goals

  1. Clear up CR
  2. Purchase House
  3. Purchase Car (2)
  4. Start building Credit
  5. Start retirement fund (again)

B.        Dispersal of Lump Sum Payment

  1.  Amount Received  approx. $15k
  2. Vehicle for Grandson   $5k
  3. Secured Card 1  $1k
  4. Secured Card 2  $300
  5. Escrow Acct (down Payment for house) $ 5k
  6. PFD HSBC BANK. $550
  7. PFD  PHYSICIAN & DENTISTS $350
  8. PFD  AUDIT & ADJUSTMENT COM  $1200
  9. PFD I C SYSTEM INC  $200
  10. Vacation been 25 years since last.  Remaining after payout
  11. Retirement /college fund  remaining from vacation/savings on PFD       

C.       Credit Rebuild

  1.  Secured Card 1  USAA
  2. Secured Card 2  Wells Fargo
  3. Follow-upon Existing  Accounts

 

D.       Retirement Fund

  1.  Self  $400
  2. Cade College Fund $0

 

E.        VA Loan for House

F.       Purchase New Car

 

My goals as listed are not in any particular order.





Starting Score: Sub 500
Current Score: 567
Goal Score: 640


Take the FICO Fitness Challenge

Once you have hit rock bottom, I prefer Semtex to get a little deeper