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Personal credit goals for 2009

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BBYGRL
Established Contributor

Personal credit goals for 2009

Payoff off remaining balances and PIF before statements cut. Most importantly - use CASH! Talk about a debt diet!
10/08 - EX 795 / EQ 816 / TU 806
6/09 - EQ 763 / TU 770

Starting Score (2/2010): TU-767, EQ-745
Current Score (2/2010): TU-767, EQ-745
Goal Score (12/2010): TU-780, EQ-790


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2 REPLIES 2
niecey89
Frequent Contributor

Re: Personal credit goals for 2009

I am not too far behind you on the Pay off part BBYGRL. Only have one credit card to pay off and it is $400. Use that card and mostly cash and debit for xmas shopping. I hope to be in the 700 Club by February. All that will be left on my credit report is School loan and Truck Loan. "Happy Dance" Smiley Very Happy
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED Smiley Happy ~
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Not_the_Point
Regular Contributor

Re: Personal credit goals for 2009

My goal is to remain debt-free (only owe $2 on one card now) and let some inqueries to fall off so I can start getting some better cards.... tired of being denied cards for my short credit history and too many inqueries.

 

Using your credit cards is actually good because it shows utilization and it may make it easier to get a CLI, just have to be sure you don't charge more than what you can PIF when your next bill comes in Smiley Happy


8/27/10 -
TU FICO 768
EQ FICO 763
EX PLUS 732

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