Current score is ~650. Looking to improve my credit as effectively as possible, as I'm looking into houses after getting married next summer. I'm coming off of a tougher employment patch so very much in a "rebuilding" phase. My fiance is very stable and has 800ish credit.
- Credit card #1 - ~5k @ 22% APR - 12k limit
- Credit card #2 - ~2k @ 23% APR - 10k limit
- Car loan - ~8k @ 0% APR (1/5 yrs in)
- Credit card #3 "soft loan" - ~13k @ 0% APR (0/7 yrs in) - 15k limit
Current income post-tax is about 1100/week. I've only had this job since December and have paid off about 8k in debts/loans since. My current goal is to pay 1500/month on Card #1 while maintaining minimum payments for the rest.
All payments are on time, I'm not making hard inquiries or opening new cards (ie. no other factors affecting credit score) during this process