I started this journey back in December of Last year and my main goals were:
- raising my credit score
- disputing everything negative on my reports
- paying off as much debt as I could this year.
We are 8 months in and my score is nothing like I thought it would be, but I will say this I am getting approved more often than what I was before (I was always told no especially with a credit card from my bank).
A few things I have taken a look at are the accounts I have falling out within the next few months and up to 6 years that will provide me with some awesome increases on my score , I have made sure to pay all of my bills on time and majority of my accounts are on Autopay (also one of my goals were to get to a place where I can have my bills on auto pay and not stress it) I also left my old job and started a new that paid 12k more than the previous employer which also was helping me get those accounts on auto pay.
I disputed accounts that were old and past the 7 years and were not helping my credit in any way since these accounts were sold off to other companies. I use the cards and pay the balances off I am showing a couple point increase in my score but not the huge jump I was hoping for I have waited 8 months and I’m trying to get to a point that my credit Utilization is going down with more credit provided for me. So there are two places I am going to apply to and try to get my credit up to a little over 5k so I can drop my Utilization and help with the points I am wanting to see.
I will say this the cards I have gotten approved have helped me in some Emergencies whereas in the past I didn’t have them.
I am keeping track of the Debt using this list I have paid off two major things on my Debt list this year and plan on 3 more within the next 6 months
Check out my journey here