I'm doing 2 things
My goal once I improve my credit score is to BUY A HOUSE…
I plan to do this in 2 years…
I realize I need to fix my credit and save some cash =)))
I started with a budget at the end of last year…one which will cover the entire year of 2009. I have been sticking to it for the most part(for the most part because there are always unforseen expenses which arise – January were only small change expenses =).
My GOAL for this year is to pay off the only two credit cards I have open and my car (although this one is not under my name and does not affect my score…but it is my biggest expense). In this budget I entered the payments for these and it is NOT the minimum required….in fact some months I will be sending 3-4 times the minimum ($1,000, instead of $250 :-)
TODAY I decided to get my FREE credit report….I got it from two of the three reporting agencies, the other I had gotten last april (you can only get them free once every 12 months). Since these sites do not give a credit score I went to My FICO and actually paid a year subscription to monitor my score….I even updated my budget just now after the subscription.
My Score TODAY is: 633!!!
Can’t wait until I raise it up in the months to come =)))
