Credit Score

This is going to sound really irresponsible, but I have never checked my credit score. Today was my first time, and I was a bit anxious to see what the bottom line was.

Here is it….. 697. It is not bad, but it is not great either. I saw a few things the report that needed more attention.
Really at this point I have no one to blame but myself, and my goal is to raise it above 710 by 2012. I am not even sure if that is even possible, but I am going to make an attempt.

Step One: Stop using my credit cards.

Step Two: Make payments on the credit cards higher than the minimum requirement.

Step Three: Clear the balance on both.

Step Five: Call Futurshop (HSBC) and get them to close the retail account card. Having this open tempts me to buy that MacBook.

All of these steps are contingent upon me keeping up to date on the rest of my bills.

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