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When I became FICO-aware in 2009, my scores were around 675. The forums and score watch products have been very educational. I am still learning and trying to improve with the continued help of myFico. Thanks!
Our ultimate goal is to get a great deal on our first mortgage in early 2013.
I hope I did this right. Didn't know about this challenge until just now.
I want to apply for an auto loan sometime in the next year, so I want a robust credit score when I do.
I currently have 735 (EQ) and want to get it to 750.
Hello everyone, I ma new to the FICO Fitness Challenge but I am determined to right the wrongs from days gone by and improve my score, and work toward the purchase of my new home.
My goal iI to reach a FiCO score of 750 (current score 693) in order to open a business. I hope you guys can guide in making the right decisions.
Hello new to the site and hoping to rebuild my credit. Hopefully I can find some good tips on rebuilding my credit. Thanks
New here, hoping if I post publicly I'll be motivated to make sure I achieve my goals!
Hello,
Long time lurker. Thanks for all your advice and support, without this forum, my credit score would not be where it is right now. I want to continue to rebuild my credit and continue to strive to meet all my credit goals.
Current Situtation:
15 Credit cards...10 with very small balances - All in good standing
AES Suntrust (Student Loans) - Good Standing
TU - Collections -
Student loans ( Citibank in process of GW)
American Student Assistance
Midland (Aspen/Salute CC) x 2
First Premier
Trident Asset Management - Columbia House
RJM x 2 - Falling off in 3/2013
EX - Collections -
Student loans (in process of GW)
American Student Assistance
Midland (Aspen/Salute CC) x 2
Trident Asset Management - Columbia House
RJM x 2 - Falling off in 3/2013
CCS/First National Bank
EQ - Collections -
Student loans (in process of GW)
1 Collection (First Premier)
Goals for 2013
Raise credit score to at least 700 but going for 750
Pay balances on cards
PFD or just pay colletions. A few will be dropping off soon.
Garden mode for at least 6 months and then go for my all time goal of AMEX.
Raise score enough to get a mortgage pre approval for end of 2013
I am hoping to get my credit score up up up! Ive had a rough time financially the last 7 years and am excited to finally be in a position to be rebuilding! Hoping to get a mortgage in the next year or so too!
Hey everyone, I have been reading or lurking on this site for about 6 months and finally decided I should join. This site has been a great help over the past few months, and everything I learn from this site I plan to pass on to other people in my situation. I know I am late joining this challenge but a lot can happen within the next two months!
Current Situation:
BOA Charge Off (Paid in Full)
CACH LLC (Collections) - goodwill in process
Sallie Mae (Late payments) - goodwill in process
HSBC Charge Off - ???
Chase Charge Off - (Pay for Delete)
I had a few other late payments but thanks to this site they have been removed.