Things Im working on for 09

So for 2009 I have another challenge that I did not mention and its the "Raise your credit score" challenge I have been indulging myself on creditboards.com and also have been reading this book pictured to the left. Its a pretty good book. I read 100 pages within 2 hours. Still have to finish. I have learned so much from each and am of course, still learning. I cant wait to see results. Key things that I have learned are 1. Send out letters of verification to Collection Agencies (High priority accounts) 2. Know what laws protect you as a consumer, and them as creditors 3. Get a secured credit card soon to revive my credit 4. Try to delete some things off of my credit report 5.  Use only 30% of each credit card maximum to show creditors that you are responsible with credit 7. Never pay off collection accounts without negotiating. 8. Self Inquiries do NOT affect your credit score 9. Inquiries from outsiders do affect score 10. Try to reopen closed accounts. So I have alot im working on for this year. Im taking 21 credits my last semester and I hope and pray, I bust things out with just about all A's. I NEED to graduate with a minimum gpa of 3.0. Im still contemplating on grad school, but what i want to do, does not require grad school. After school, Im gonna get a job in accounting and also i want to go to cosmetology school learn how to do hair and makeup, I have dreams of giving people makeovers.... seriously. I would be content with doing that and helping others look their absolute best.... Thats my dream it came to me a little late but thats why I wholeheartedly wanna do. So Im working on it! Thats all for now... Peace!!!!! *the makeover pic is from www.terilynn.com not my own.