So I splurged a little bit and bought my FICO score, sad but true you have to pay to find out your credit score, and I'm much better off than I thought. With Transunion my FICO is 757 and with Equifax my score is 747, well within the "Excellent Credit" range. Yes my score could be higher, the highest possible is 850, however I have what is known as a "short file" meaning simply I haven't had credit very long but that makes since as I am only 22 years old. I am definitely genuinely excited by this.
I am more commited to building up my savings than ever, I am determined to be a homeowner by the time I am 30 years old. Ideally I'd like to have my own place by the time Luke is in Kindergarten but I will give myself a bigger window so that I don't feel to let down if it doesn't happen by then.
According to my calculations I can have a 20% down payment (roughly $40,000) saved within 6 years if I just stick to my guns.
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