04-29-2016 06:58 PM
When I first started in the forums, my credit score was about where yours is now.
I used the advice of other people in the forum to help me figure out what to do with credit collectors. You can put the name of the credit reporting agency in the search and it will give you a list of posts that have been made regarding the company you are trying to deal with. Find a post from someone dealing with what you have experienced, or you can make a new post in the forum related to repairing credit. I think you will get the best solutions there. Some are easier to deal with than others.
04-29-2016 07:55 PM
05-02-2016 06:02 PM
I am a little late on this for this year. I have been on this forum for over 5 years and I am still just as addicted. This will be my second challenge year. My goals are to finally hit the 700 club, build a new house and credit some better credit cards. Good luck to everyone
05-09-2016 06:32 PM
My goals for 2016 are to improve my score while attaining new lines of credit. I still have a forclosure on my record, but I am finally able to get approved for non-sucure credit again Hoping to continue to move forward from here.
05-13-2016 10:15 AM
I am excited to be taking the FICO challange. Seeing as my score is a high 500, around 580 but no matter what I do I can not get over 600. I plan on financing a new car, without a co-signer, in the fall. I need to be assured I can get approved. My goal is 700 minimum but that may be not possible for a couple years
I use Credit Karma to get my scores, can you guys recommend a place to get all 3?
Once I can pull up my scores, I can share, and excited to hear tips to improve!!!
Thank you, happy number building to all!
05-13-2016 03:30 PM
Use Fico ultimate 3B. Its the best out there, its expensive but you have first hand knowledge of what your fico is since 85% lenders use fico. Welcome to the challenge.
05-14-2016 10:40 AM
05-17-2016 02:13 PM
Hello Everyone! Joining this challenge a little late, but I'm hoping to really get things back on track this year. I did a voluntary foreclosure on my home and filed Ch. 7 BK back in 2009 (Discharged 2/10) after losing my job. The clean slate with the BK really helped and I was determined to use credit responsibly this time around. And I did....until I was diagnosed with some pretty serious heath conditions that had me out of work for 8 months! So...here I am again...pretty much starting over! After the BK, I managed to get my credit score up to a 680 as of June 2014 (my goal was 700 and I was so close). Now, I've dropped all the way back down to a 475 I know I have a long road ahead of me, but I am determined (once again) to get things back on track. I know there are many of us on this forum with the same circumstances, and as crappy as that is....it's nice to know there are people willing to put their pride to the side and share their stories, tips, tricks, etc. in the hopes of helping someone else. Good luck to everyone on this journey!
05-18-2016 12:58 PM
I am very excited to get my finances and credit under control! Don't want to whine and cry on here but went through some hard times, made MANY mistakes, learned from them and now am back on my feet trying to make some serious changes.
Besides generally wanting to boost my score, I want to buy a house in a better school district for my kids. So, that would be my main goal! I plan to acheive this by the following:
05-22-2016 06:31 PM
I just signed up for myFICO to get my financial life in order. Currently my best score is experian at 634 and my lowest is equifax at 563.
I had some rough monetary moments in my life so far but have found a stable career and am now looking to turn the corner. My goal is to help my family(wife, 2 kids, possibly a third) get into a larger house and to do that my credit needs to improve so I can put my income on the mortgage. I am just looking to make my family proud and happy.
This is my second attempt at rebuilding as a few years ago I was given some horrid advice that I can now see set me back.
My late payments on my student loans are slowly rolling off and I have not had any late payments in a little over two years on anything.
I have two accounts from FPB that were charged off and am looking for the best advice to minimize their impact on my score.
I also am down to 4 collections on my credit which 2 are currently in dispute because of inaccuracy.
Any assistance anyone can off me I would appreciate it!
Best wishes for strong fiscal health
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.