Please look at my progress on the bottom... . . . . ... Ok... now that you see my pathetic scores, how long will it take me to make the 700 club? I need a 720 to do the things I want to do... What time frame am I looking at realistically? I have disputed pretty much everything I can, now I have to wait for the 30, 60, and 90 day lates to drop off after 7 years. To bad all my crap happened in 2001 and 2002... 5 more years to go... Will I be able to make it to 700 club having this stuff on my reports or not? What is the highest with these lates?
Next to not making a late payment and not having one in the past few months, the singlew next best thing you can do is pay down all revolving accounts below 50% each, and below 20% total (1% is ideal - not 0) Without knowing where you are currently, I can't tell how many points that will get you - but it probably won't get you to 720; it might get you to 660 or even 680 (the magic numbers for lots of mortgage lenders at least)
I am sitting at currently 70% available credit so my utilization is fairly low... it will go down to about 20% after everyone reports this month
