My 2019 year end goal is to hit 700 across the board, and I'm so close I can taste it (EQ 727, TU 704, EX 697)! I'm currently waiting on my last collection (with a balance) to be removed - I did a PFD on 04/09/19 so it should be gone by the end of May... In addition to that I have one collection that has been PIF for years aging off in September.
Once those are gone I will have zero negative accounts listed and I am so excited! I plan to garden for a while to help age my report and build on what I have set as my foundation, although once my EX is cleaned up I will be going for a CLI on my AmEx (opened Feb 2019).
Checking in before this thread closes:
April has been busy and productive. Overall I have managed to get an extra 36k in cli's this month between Dh and myself....something I never would have tried or known to try before joining this forum. This has helped our utl% tremendously and scores reflect that.
Hope everyone here has had success in their rebuild, hope April was good to you and hope it keeps going all of our way. Cheers!