Okay, I joined myFico March 13th. I've only pulled EQ's score, as I just needed a general idea. It's 662. Here's the rundown of my report, and my plan: 1. I have 2 collections on my report (fairly recent ones). One of them is paid, from a CA that I believed when they said if I paid they wouldn't report it to the Credit Bureaus. I sent them a GW letter on the 14th of March. The other is not yet paid, $106, from a CA for a cable bill. I sent them a PFD, they sent me a "pay this now", I am mailing today a PFD/DV. These are both from 2006, when things were hectic after the divorce. 2.I have a short credit history. Oldest acct 8 yrs 9 months ago. That can only be helped with time, I know. Also, average age of accts is 4 years. That will go down soon, as I just got a couple new CCs, but after time will get better. 3. My util showed at 26%. I paid that down to less than 10, and I got a couple new CCs. Now for the good stuff: 4. No missed payments or lates on my report. Plan to keep it that way. 5. Recent use of credit. I use them, pay them off quickly. Here's what I have (besides the collections above): 1. A bunch of student loans that show paid because I consolidated them 2. One student loan (actually a bunch consolidated) balance is 8xxx, currently in deferrment 3. Credit cards: a. Target Visa (graduated from redcard after 1 year) opened Nov 06: 1000 b. Walmart Store Card, opened around Nov 06 also: 700 c. Chase Freedom (had to pull teeth to get a recent CLI: 600 d. JC Penney card, opened January 08 (pushy saleslady): 700 e. brand new Discover More: 1300, apr 15.99 f. brand new AmEx Blue Cash: 1600, apr 15.99 My plan now is just to keep paying stuff, and keep my util down, and in a couple of years, be ready for a super good mortgage!
