Testin
Goal to purchase home in 2013!!
<hr><img align="left" border="0" width="50" height="50" src="http://ficoforums.myfico.com/fico/i/custom/FFC_Ico
Starting Score: EQ 557 TU 604
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
Hello everyone! Happy almost 2013 :-)
And with that being said my Fico Fitness challenge will be for the new year, so I'm starting to get things rolling!
My goals for the upcoming year is to qualify for a new house, a newer car, and to continue to rebuild my credit one day at a time..
My current credit situation has improved for the past few months, I have 2 public judgements( Removed) 3 credit cards in collections$300 credit limit each (Jcpenney/Capital One and Continental Finance-all been deleted) Student Loans which are posted as paying as agreed and I'm in deferment since I'm currently in school. 2 Cell phone bills (Sprint has been disputed and deleted). I will be using the letters in the forum to dispute more items on my report as I had someone doing it for me in the past, would like to get a 700/725 credit score across the board, add on two credit cards (Secured with a $500 limit),make payments on time and just build build build on the road to recovery...This forum has been so helpful to me, even when I wasnt a member and just browsing through lol and I will keep you all posted on my credit score updates! 
I met my goals for all but my EQ score, which I think is due for a bump after a few erroneous hard inquiry counts are wiped off of it. So hooray, new goal! For 2013, I want to get all three scores up to the 700 range. I'm out of the bad score lands and into the "average" zone, so I'd like to take steps to move into "good." 
I'd also like to do some more research into whether or not it's worth it to dump some of my less beneficial cards as I start getting ones with larger balances, IE swap out my Capital One secured card for a "real" non secured card, or whether I should keep both for awhile longer. For the first year of my credit repair journey I was just focused on GETTING lines of credit wherever I could so I could work to build a good recent credit history and get the ball rolling on my repair. Now that I'm doing better and have 2+ years of on time payments, I'm finally entering a zone where I can be discerning. Time to do research and make smart decisions!
This is my first time doing the Fitness Challenge and I am ready!
My current situation:
22 years of age.
1,054$ 2 CC C/O
1 Installment 6,450$ Student Loan, good standing I guess lol says I pay on time but have never paid anything.
Lots of inquiries. So ignorant.
Longest credit 3.5 years
Avg. 2.5 years
My goals:
To get a decent auto loan interest rate
To achieve a 700.
I have the money to pay the CC so I am going to try and PFD and hopefully get the some help on that end. Just applied for BoA Secured card and am waiting on decision.
+1 Anytime you check your own credit it will not lower your score nor will it report as a Hard Inquiry on your CR.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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