Starting Score: 619
My FICO Goals for 2011 (and beyond):
1. Have all bad debt paid off and appropriately noted on my credit reports.
2. Clear up all incorrect information and stay ahead of my finances.
3. Learn to stick to a budget more effectively!
4. Raise my scores to 650 or better (this may not be complete by the end of 2011, but it's worth a shot)
5. Be more diligent about saving money
Good Luck to Everyone!
My goal is to achieve FICO of 650 and purchase my first home. I will achieve this goal by doing the following:
- Apply for one more credit card which will give me a total of two open revolving accounts
- Keep balances low on these two cards.
- Pay everything on time
- Pay off two old credit cards that are in collection; GW these.
- Allow time to heal my past.
For 2011 I'm pretty good with my FICO score. It could be better, but I'm totally not complaining! It took a lot of hard work & money to get my score to where it is now. For this year, my goal is to pay off my car loan, pay off the little bit of cc debt that I accrued around xmas time, and keep paying on time. My ultimate goal is to get my fico score in the 780+ by the time I want to buy a house, but I still have a few years! Good luck everyone with getting your score higher 
My FICO score goal for this year is 750 (and 800 for 2012), but right now I have no idea if or how I will be able to reach my goal this year. I hope to learn more about improving my score on this forum. I took the first step last year in applying for a secured card (I had nothing but a debit card for a few years) and being sure to make all my payments on time, but will need lots more advice and help to pull myself out of a pretty bad financial situation.
My current scores: TU 705 EQ 701
I plan to keep using and paying promptly on the card, not sharing any of my accounts with (irresponsible) others, and hopefully buying a used car with mostly cash, but some credit. I'm not even sure if that is a doable or good strategy in my current situation, but will be reading this forum to discover what else I can do to improve my scores.
Good luck everyone!
To take the challenge, tell us:
1. Your FICO score goal for 2011
2. Your current FICO score(s)
3. The steps you plan to take to achieve your goal
my current fico scores are listed below along with my goal scores. to achieve my goal score i hope to get cmi collection removed from my credit report and continue to pay on time and get my cc utilization down to 10% currently at 24%. also i have a paid judgement that will drop off in november of this year. i have 2 installment loans on for an auto and the other for furniture which i had before that car that helped out my credit mix so i intend to pay that off and hope it helps increase my score. thats all i can do.
1. My Fico Score goal for 2011 is: 800
2. My Current FICO score(s) are: EQ 737, TU 742
3. The Steps I plan to take to achieve my goals: Reduce my UT from 28% to less than 15%, avoid opening new credit, mantain my 100% on-time payment history.
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Just checked my TU score last week: 756!! UT is down to 24%, no inq's.
Next month will check EQ to see how it looks...
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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