I'm starting my journey. Better late than never! I have filed my taxes and am expecting a refund. I will be using it to pay on some of my debts and put the rest in savings. Looking forward to learning alot from you guys and improving my current situation.
and the trend going up has started! its not much but 7 points is a good start!..besides im in no hurry,i have 2 years to rais it to atleast 725!
Not much to report this month but I am super excited that my score is on the rise! I am still waiting for my official bankruptcy discharge paperwork so I can start rebuilding. I love this challenge, so much useful insight from everyone.
2013 Goals -Proud of my status!
Began this journey with scores less than 550. Now TU 709, EQ 684, EX 718.
My goals for 2013 are listed below. My updated progress follows in red!
OK so I am a few days late posting this but here it goes, score is now 646 (was 580s in january), got an alert the other day that a bad debt student loan I cosigned was finally reported the way it should be, (payed settlement last year and Sallie Mae was continuing to report as unpaid, got nowhere with DV process but when contacted by a new collection agency trying to obtain more money they actually resolved the matter for me). I hope to continue to pay my bills on time and keep the balance paid in full on my CC. Goal is now a USDA RD mortgage by the end of summer.
I have kinda lurked for a while, but thought I would jump in now. I am focusing on credit repair and plan on being in the garden at least until Jan 2014. A couple of recent declines after a string of approvals, has let me know that I may be doing too much.
I dont know what I can realistically expect to score by the end of the year, but I am going to do my best.
I would love to get a Southwest Airlines Visa within a year from now.
My current scores are TU 591 (5/6) EX 622 (5/4) EQ 590 (4/27).
I have not seen big jumps in my score from my last check-in back in April. I guess you can't always have 40 points increase in a month.
I have one account that appeared in collection last month, but I am current in my student loan and I have no credit card debt. I have a 120+ day late on my student loan that I have send out a GW letter to have deleted and I received an email that they will review my account. Keeping my fingers crossed!
My next course of action is to send out GW letter to a very recent PIF collection. I didn't know much about credit reporting system and did not negotiate a PFD because of the misleading advice from my collection rep. Finally, once all my scores are around 620, I want to apply for a decent credit card as I only have 1 at the moment and is probably slowing my progress.
Good luck to everyone! Keep on going!
Hi, Im new...I'm excited to finally get my credit back on track but at the same time I feel that this is an uphill, never ending battle! Didn't realize my scores were this low until recently and I'm just mad at myself for getting into this mess...