12-03-2012 08:37 PM
Starting this off a little late in the game. I'm hoping to have a better 2013 financial year!. I'm just tired and embarrassed of my credit going up and down. I'm ready to grab the bull by the horns so to speak and get my finances in order. I recently had twins and this living pay check to pay check is getting quite old. Along with these mediocre credit limits. I'm hoping by 2013 to put these cards past me and be in a better position.
Best Buy 300 CL
Capital One Secure 300 CL
First Premier Visa 400 CL
Macy's Reward 400 CL
Orchard Bank 450 CL
Credit Union CC 500 CL
Household Bank 500 CL
First Premier Master 550 CL
Capital One Rewards 750CL
Wells Fargo Financial 2000 CL
12-04-2012 01:53 PM
Kind of joining in late but just signed up for the forums and decided to take part in the challenge! Testing out the sig also
12-05-2012 08:35 AM - edited 12-05-2012 08:49 AM
Bankruptcy after divorce discharged in 4/2009 maybe 2/2010 as this is the final date listed on credit report
I have 4 collections on my report I would like removed
I am paying everything on time
I have several credit cards to rebuild credit
car loan paying on time, house rent paying on time
school loans in deferment since I am in graduate school right now
My goal is to get a 620 or higher as I would like to purchase a house
12-05-2012 10:57 AM
Determined to stay the course. I am totally dedicated to repairing my credit and increasing my credit score. I am doing it ONE DAY AT A TIME. Patience, patience and some more patience, plenty of prayers and discipline/sacrifice, that's my daily antidote to resolve this issue.
12-05-2012 12:21 PM
Testing my signature out!
I'm too late for the 2012 challenge but I am in it to win it for the 2013 challenge!
I'm whipping my credit score into shape once and for all! And I'm doing a Debt Snowball (see Dave Ramsey's teachings on Google). I'm cheering for all of you -- you've been my inspiration over the past month. I've been gathering information and doing on the research that I can do in order to move forward successfully.
Hoping for a 680 by the end of 2013 challenge, but I really want a 750 across the board!!
12-05-2012 12:23 PM
Just a quick post to let everyone know that I met my FICO Fitness Challenge goals for this year (see signature for details).
I can't wait to start the 2013 Challenge.
That's great! Congrats on your achievement!
12-07-2012 07:38 AM - edited 12-07-2012 07:41 AM
Started a about a year ago after alot of debt and bad credit from years ago. Looking to make that all better for good.
Cap One---500 no balance
Cap One Rewards---750 no balance
Orchard---300 thinking of closing no balance
Credit One---875 no balance
Merrick---500 no balance
Barclays NFL---500 no balance--just opened
Walmart---500 no balance---just opened
Discover More---1200 no balance---just opened
Chase Freedom--- 1000 no balance---just opened
wells Fargo auto--22000 15500 balance
2 bad medicals paid sent letter to remove
1 bad card from 2007 updated 2010 on credit report $461
I was able to get a lot of things removed from my cr with letters I found on here as PFD and good will. Thanks for the help.
I have been hovering here for a year or so. When I started my scores were all low 500's
12-07-2012 05:31 PM - edited 12-14-2012 04:53 PM
STUDENT LOANS, DEFAULT:
20 years $21,000 Principles, $29,000 Fees, Collections
CREDIT CARDS DEFAULT COLLECTIONS:
AMEX Business Platinum 1/2004-2/2007 $2,700 (Taken off Equifax, just disputed to take off Transunion),
Capital One 5/2004 $1,600,
Capital One 7/2004 $1,070,
HSBC Bank 5/2003 $1,045,
Merrick Bank 6/2006 $1,500,
Winthrop Hospital Medical Bill 3/2008 $5,592 (in circuit court ,will be off reports in 1/2015, along with two Capital One Civil Judgements of 12/2015 and 1/2016)
Had about 4 or 5 credit cards from the early 1990's TOTALING about $13,000 that I defaulted on and came off my reports around the year 2003.
ACTIVE SATISFACTORY ACCOUNTS:
JC Penny 3/2006 CL $100,
Fingerhut 11/2007 CL $400,
HSBC (Now Cap One, $37 annual Fee) 12/2010 CL $300,
First National Credit Card ($75 annual Fee) CL $1,050,
Capital One 6/2012 ($19 annual fee) CL $300,
Lord & Taylor 6/2012 CL $300,
Walmart 6/2012 CL $150
Owe $55 on HSBC (Now Cap One), $16 Lord & Taylor
Had a TOTAL 10 hard pulls on my report since 4/2011
Had 5 since 6/2012
Last Hard Pull 7/31/2012
Also opened up 3 AMEX (non-Credit Agency Reporting) accounts to get back in good standing with them. AMEX Serve (11-2012) $5 , AMEX Debit Card (11-2012) $40 and American Express Savings (6-2011) $5 (plan on applying with them again in 2013).
Walmart FICO 606
Currently self employed, but low income. When I get the opportunity to pay off what I can I aim to get re-employed to a higher income and start removing debts.