First timer here after the military i found myself in a bad spot financially, eventually i was able to pay down all debts however some issues popped up and i had to fix my roomates issue before we would have been evicted and that meant my daughter not having a home so i had to make decisions to py their share which was about 4 months rent worth which then lead me to not being able to pay off my credit cards. This year we look to buy a house and i look to improve my credit even more. I have recently killed off all credit card balances and paid back all collections owed.
I started mid 2018, so I figured I'll check in for 2019.
My overriding goal is to build a solid, mature, and clean credit profile. I'm not looking to collect dozens of credit cards, or six figure credit limits. Point/miles, even thought I fly internationally (American Airlines), can come later.
This year is going to be big for me as far as my credit profile goes. All five of my current accounts will be aging over the 1yr threshold along with their corresponding HP's. However, what I'm really looking forward to is my 2012 foreclosure melting off of my report.
My goals for this year are....
750+ for all three FICO scores
Establish bank accounts with Citi/Chase
Resist temptation and continue gardening into 2020.