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My finances took a nose dive during my divorce back in 2008, and for a long time, I was happy to have my head in the sand. But then reality set in. I wanted to be able to buy a new car, own a home, and gain access to credit. So over the last 2 years, I've made sporadic attempts at rebuilding my credit. In that time, I've managed to achieve 7 deletions, have seen a 50-80 point increase in my scores, have refinanced my car at 12% (down from 17.5%), and have obtained 1 AU credit card account, 1 secured credit card account, 3 department store cards, and 1 unsecured Visa. Now that I've regained my footing, I'm ready to dive in to serious repair and restoration mode. I've stashed $3000 away for emergency savings, and I'm in a position to earn an additional $3000/mo in freelance income to supplement my regular salary. This is just my little personal credit restoration journal. Major Goals to Achieve by Dec. 31, 2015: 700+ credit score across all 3 bureaus Credit reports free of collection accounts No late payments within last 18 months Auto loan paid off Qualify for home purchase Stepping Stone Goals to Achieve by Oct. 31, 2014: Pay all existing credit cards down to <50% of credit line Dispute 3 charge-offs (2 First Premier cards and 1 HSBC card) as obsolete Pay off 1 medical collection and initiate HIPAA dispute Follow up on prior dispute of 2 student loan lates from March/April 2014 (loans were in deferment prior to lates being reported). Send Texas DV letters on 4 collection accounts (Sentry Credit, NCO Financial, Enhanced Acquisition & General Revenue Corp) Pull EQ Complete every day to check progress