small victory
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small victory
| Tue, 09-01-2009 - 2:42pm |
I checked my credit score today and it has increased by 5, 5, and 25 points. I am so happy. My goal is for it to increase to 700 but I will be happy when it hits 650. I do not have any credit cards and my low credit came from a car repo 8 years ago and defaulted student loans. I have 4K left to pay on my student loans and I paid off my car loan balance. I will be debt free except for my mortgage next year.
I'm feeling pretty good today. Thanks for letting me share.

Small victories lead to big changes!
Congrats on upping the credit score - five points here and five points there add up.
Word of caution - not sure how you are accessing your credit but if you check it TOO much you can also hurt it and cause your numbers to lower. Not sure how those sites work where you can pay and monitor them - but I know if your credit is run too much it can bring the score down. Word of caution.
High five on your good work!
Thanks Beepsmomx2,
My bank offers an unlimitd credit watch service for $9 a month. I can check it everyday without penalty and I'm so happy I signed up because twice an incorrect charge was placed on my report and I could dispute it immediately online.
Ahhhh just the mortgage left next year. That is simply amazing and it sounds like you have done a lot of hard work. Good for you!!
I belong to a credit monitoring site and I check the score and the balance almost daily - it does not impact the score at all.