In debt longer than I can remember and putting pen to paper this year to be out of debt in two years time. My biggest problem is I'm a shop-a-holic so I plan to not shop this year since I DON'T need a single solitary thing. I have high utilizaiton and I have way too many credit cards. Over 23 I think with balances on all of them. I've never been late or missed a payment but only paying min on most of them. Went over each statement and decided I needed to not pay min but pay the amt to get out of debt in 3 yrs. Some will be paid off in 1 yr and that money I'll be able to apply to the remaining cards. No car loans for my husband and I since they are both paid off, (RX LExus 2001 and Nissan Altima '05) but would love to get a newer car by 2016. I have faith I can do it this time only becasue I'm just tired of having 90% of our income going to pay bills. Now it's cash and carry and if I don't have the cash, then I'll have to do without!
Starting Score:625
You have to copy the siggy into your profile. I haven't been on this site in years and I was able to do it, so shouldn't have anything to do with the amt of post. Good luck everyone!!
@Anonymous wrote:Hello everyone, I'm new to the myFICO Fitness Challenge..but I sooo need this forum for the push and encouragement. Just had my 40th birthday and I realize (much too late) that its time for me to grow up and face the bad decisions and habits of my past and correct my credit. In addition to raising my credit score, I want to be a first time home buyer this year.
Starting Score 02/2014
496 - Experian
501 - Transunion
459 - Equifax
Current Score 01/30/2015
612 - Experian
600 - Transunion
603 - Equifax
Good Luck to everyone!
You can hold your head up now! Great improvement 
Hello all!
I've decided I really need to take better control of my finances and credit score and hoping being accountable here will help with that!
With the help of the forums here, I was able to luckily fix my credit score and get approved for CareCredit to help with surgery and vet stay costs when I had my dog suddenly get sick and pass away last summer. So since then with the help of donations and allocating the majority of my monthly payments to finish it off, I've been able to almost pay off that bill and I can now concentrate on fixing the other parts of my financial life.
Of course with that sudden situation happening, I ended up using my other credit cards and such (especially during the holidays). I just let my spending get out of control and I know I'm over 30% of my limit on two of my cards so my credit score is lower than I would like it to be right now. It's a bit frustrating to know that I let it get out of control and I'm extremely determined to fix that as soon as I can. I would like to see the 750 mark across the board this year.
Once I finish paying off the CareCredit (which should be done by May according to my calculations!), I can concentrate on getting the amounts down on my two credit cards I've been using to under 30% and that should help drive up my score! Of course, with the tax refund I'm getting back soon I'll be using some of that to pay off my credit card but unfortunately it won't make up too much of a dent.
Need some help getting the FICO Fitness chsllenge in my siggy. I copy and paste but the html code is not working
