Take the myFICO Fitness Challenge!

[Thunderchyld]

Hi....I am new to this site as of today.  I went crazy in my 20s and spent most of my 30s not using or obtaining credit.  I hope to buy a house in 2013, keep my credit utilization at 5-10% and build a nest egg.  I will update this as I improve and move forward.  Cheers to all!

[MarineVietVet]

Hi PEACEANDLOVE and welcome to the forums.

I noticed you seem to be having some trouble posting. It is possible to edit your own post if you have posted an incomplete message. To edit your post, go to the post. To the right you'll see "Options." Click on "Options" and select "Edit Message" from the drop-down menu. If you have accidentally posted a duplicate message, you can use the “Report Inappropriate Content to a Moderator” link to ask the moderation team to remove one for you. To find this link, go to the duplicate post, click on "Options," then select "Report Inappropriate Content to a Moderator" from the drop-down menu. If you need any help with anything, let me know.

--MarineVietVet, myFICO moderator

[PEACEANDLOVE]

Thanks so much for your help

[AprilShowers4]

Hello Everyone! I am so glad I found this forum. I had no clue about credit when I got my first card at 18. It was a student visa from bank of america. Fast forward to 2010, I was sued by Asset Acceptance because I defaulted that card. I was evicted and I have another collection on my credit report. I was jobless and that's why I was evicted. It's very frustrating but I am rebuilding. I applied for discover more and american express zync since I saw people approved with similar scores. Of course I was denied because of the collection and judgement. So, I am going to stop apping and just work with what I have to rebuild and show that I am responsible. 

[sheridan1209]

Hi there. I am new to the boards and am getting a late start in this year's challenge.  I'm looking forward to making great changes! The feedback and support here is very motivating.. I can't wait to share some of my own successes.  

I had some challenges as a teen/early 20's and struggled on and off with credit - trying to survive one day at a time.  The biggest hit occurred in 08/09 during 18 months of unemployment and I've struggled (until now) to overcome the challenges in my report. I am quite excited about finally understanding the value in a good credit history and settling down and wisely purchasing a home in/within the next year or so. 

[fucofico]

Hi everyone!

Just found this site. Was turned down for a mortgage refi today b/c hubby and I need 640 fico scores. DH has: EQ 584, Exp 595, Trans 670 and I have EQ 567, Trans 587, Exp 589. I need help getting a 90 day Sallie Mae off my report as this is the only major setback. I was told that could ding me for 100 points. Everything else is on time (except a couple of med bills) Thanks for any help I can get! 

[JGeuy]

It can be done, be patient and be diligent. I know, from personal experience.

[JGeuy]

I had Sallie Mae ding me, my student loans are in deferral, and they dinged me. I called them, we talked, they fixed it immediately. Call them, they really are great to work with, and will help you to resolve the issue.

[fucofico]

Thank you for the words of encouragement!! I called them (Sallie.) They told me to write a note, with a copy of ALL 3 credit reports and an explanation as to why I shouldn't have a 90 day late. I was also in deferral until this 90 day late, however, they never gave me a 30 or a 60. I explained this to the rep who answered the phone, and the whole "write a note" response was what I was instructed (by them) to do.