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04-26-2011 02:13 PM - last edited on 04-26-2011 04:04 PM by Lel
i told myself i would never sign up for any other forum so i wouldn't be a n00b anymore...but here i am. this is a very special exception though. it's literally for my future. i had in the longest time very bad credit. hell, what am i talking about...I STILL DO! but at least i'm trying to take care of it. like they say....better late than never, right? but anyways, the past 2 years, i'd like to think that slowly but surely, i've started to gain ground on the baby steps i've taken to getting back on the good graces of the lending world. so....with that said....
1. 2011 Goal - 725 or higher
2. TU 653, EQ 675, and not sure for Experian (haven't checked as of yet), but im pretty sure it's not far behind the two.
3. Just keep doing good on paying my 2 CC balance of about $800 combined.
[Edited to remove a reference to the poster's ethnic background. Discussion of ethnicity is not permitted on the FICO Forums.]
04-27-2011 02:24 PM
I don't get it. I started fixing my credit last November. Went from a 589 to 673 as of a couple weeks ago. I disputed a collection and a 60 late payment record. Now my report dropped to 630 yesterday and today, its down to 607. I am only using 6% of my credit. Haven't been late since 2006. The collection is paid off as of a week ago, and the letter I received says it will be removed from my reports in honor of my service (military). I see other people with bankruptcies and multiple collections and they have higher scores than me. CAN SOMEBODY PLEASE HELP ME?
04-27-2011 02:30 PM
1. My FICO goal for 12/31/2011 is 630 across the board
2 My current scores: TU=498, EX=552, Equifax=518
3. I plan to raise my scores by negotiating/settling debt, continuing to make timely payments on my car and opening 2 additional lines of trade when I am able to do so.
04-28-2011 07:11 AM
This is my first post. Hello, everyone and good luck.
I am a chronic procrastinator and am looking to change that. The time I spent in the military did nothing for my financial discipline and probably made it worse, considering the fact that I spent many years overseas and paid little attention of the damage that was growing on my credit report and just living reckless financially, thinking I would fix it someday, just not today. I can use some stability, discipline, a strong plan, and help!
Here are my current statistics:
04-28-2011 07:16 AM
Hey, good luck to you.