Credit Card Center Advertiser Disclosure†
08-07-2013 09:20 AM
I can't believe its August already. And while I was late with this post, hopefully you weren't late with any payments.
Speaking of which - how is your score these days? Is it in a position you are comfortable with, or are you still climbing? Were you able to save and raise this summer, or did a vacation create a slight plateau?
As always: participation in these monthly check-ins is optional, but encouraged. The goal is to help keep you on track, so feel free to post your progress updates here.
From my perspective - my score actually rose since I've been working at myFICO. But with a new car lease, and a few expensive on going payments, my bank account has taken a hit. time to start saving up for the rest of the year to keep that score.
08-07-2013 01:21 PM
Have 2 kids, both freshman. One in High School and one in College. Just got through school shopping, buying books and paying tuition, purchasing son a new car.... I'm just broke. But glad to provide for the kids.
08-08-2013 06:48 AM
My Equifax score is not as high as I would like, but it has increased from when I began my credit improvement journey. My Equifax is currently 614; however, my Transunion score is 675. I know that this process takes time and I'm committed to improving my credit status and being a member of the 700+ club. In other news.... I applied and was approved for a Wal-Mart credit card with a starting limit of $600. Once I recieve the card I plan to call and try to get a higher credit limit to increase my available credit.
08-08-2013 08:42 AM
First let me say I'm happy I started this credit journey I feel like the first time in a long time I'm making better decisions about my finances. My score isn't as high as I'd like it to be but I'm continuing to make my payments on time. I just opened a secured credit card and my score has gone up from 579 to 600 in a very short time. I will stay at it and keep pressing towards my goal.
08-09-2013 02:40 PM - edited 08-09-2013 02:46 PM
You are right, our goals are achievable, if you followup on each account carefully. so far I am yet to send out GW letters, i am doing that in couple of days.
2013 Feb EQ: 550 | 2017 Feb EQ: 722
08-10-2013 11:59 AM
I missed posting the first few months of the year! I started with a 670 score and a large amount of debt at the beginning of the year from moving, purchasing furniture, appliances, and other items. In all I had over $7000 in credit card debt.
Today I have two remaining credit cards totalling $2700. I am building a home that will be finished in October. I can't wait to move in! I work and attend college full time. I'll be a home owner at 26 and graduating before I turn 27.
Goal: I want to hit a credit score of 800 by the end of the year. I also want to pay off the two remaining credit cards so that I can focus on paying down my car loan and adding a few hundred to the mortgage monthly.
2013 is a great year!
08-12-2013 02:25 PM
I finally registered,.after reading amazing discussions and suggestions about rebuilding credit.
Welcome to the forums! Good luck with rebuilding your credit. Dont' forget to check out the blog for other potential tips.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.