Joining in late to the challenge...
Starting Score: 716
Current Score: 716
Goal Score: 740
A little late on the update.....
Finish rehabilitating my student loans
Pay down credit cards to 9% utilization
Pay or settle all collections accounts
Pay all bills on time
Progress to Date:
Student loans out of rehab, picked up by a new lender, related collection TLs DELETED on my CRs, new lender/servicer reporting pays as agreed!!!!!!
Two $500 CL cards, paid $0 balance, working on my third card $550 balance on $750 CL. Pondering requesting a CLI.
Two medical collections paid, no action on the GWs, showing paid in full on the CRs
Payment arrangement on a school collection that does not report as long as I make payments....still making payments, this one will be around for a while.
All bills paid on time....going strong!
Contributing 3% of my salary to 401K....6% return on investment YTD.
Continue paying on third credit card to get it down to 9% util.
Save up to pay/settle a credit card chargeoff and another collection.
Thank you, everyone, for participating in my first Monthly Checkin.
For those reaching your goals: congratulations! Hard work does pay off.
And for those who are still climbing - stick with it! I want to see everyone with their scores where they want them to be.
Keep coming back to every month's check in, take a look at our blog for some tips, and stick with it. Patience is key.