I have reached my one year mark since really taking control of my credit...I am super excited of what I have accomplished:
Transunion started at 519 - Currently 671 (152 point increase!!)
Equifax started at 538 - Currently 655 (117 point increase!!)
Experian started at 550 - Currently 654 (104 Point increase!!)
I have 3 bad marks still on my reports that I am working on:
I have a USAA CC that I am trying to GW, that may be stuck there for a while.
I have a Cap One CC that I am trying to GW...the lady has been super helpful, and we have talked several times over the past couple weeks, thinking I may et lucky here
...and finally a UofP that I am trying to get a PFD, but they are slow to respond, not making any progress.
I have also several credit accts open all are in good standing and have not lates associated with them.
I have a Capitol One Platinum $4050; Citi Double Cash $2000; USAA $1000; Amazon Prime $800; SDFCU (secured) $500 - sitting in the 10-30% range every month.
I also have two loans: USAA car loan $15000, now at $13000, and a SDFCU loan $1000, now at $500
All these have been open in the past year or sooner.
I hope to be in the 700s by next year. Just have to keep moving forward.
