01-22-2013 06:39 AM
01-22-2013 10:19 AM
No because I just recently started contributing and it shows for me. Try copying and pasting the HTML found here: http://ficoforums.myfico.com/t5/Take-the-myFICO-Fi
01-22-2013 10:49 AM
Goals for 2013
-Raise my CS to 680 by the end of this year. Right now I'm a dumpy mid 500s.
-Get rid of the 4 collections I have sitting on each CR
-GW the lates on 2 loans
-Decreate balance on CC (right now it's almost maxed and a First Premier (yuck))
-Pick up a secure CC and keep utilization low
I've been reading everything I've come across and I'm really excited about getting this junk fixed.
01-22-2013 09:52 PM
Pay down balances this year to raise the score! ALSO, more difficult job, write GW and PFD letters to clean up the wifes credit!
01-23-2013 11:45 AM
I've been reading these forums for about 3 months now and am so glad that there are people out there willing to help each other out by sharing your stories. This year my goal to is pay down debt and increase my score rapidly. I'm in the market to buy a house and I want to get the best rate out there! I just paid of a $10,000 loan that I had from 5 years ago. It was a great feeling! I look forward to a great year!
01-23-2013 03:05 PM
Hello. I'm new to the Forum but have been monitoring my score obsessively since Spring 2012. I am so excited to take this challenge! My goals for 2013 are to leave the 681 CS behind and happily join the 700 club. I also want to apply for some prime credit cards.
The "Good": In 5 1/2 years, I have never been late on w/a cc payment. I have 2 Parent Plus Student loans in deferrment that total $18,400. I plan to start making payments on these loans to help offset some of the accruing interest. Mortgage is in my husband's name since he got a better rate solo.
The Bad: I have two accounts in collections. One is a chiropractic debt that I NEVER received a bill for. Just happened to check my credit report in 2009 and there it was. The second is a $79 medical bill that I am honestly not sure how it slipped through the cracks. These are my debts and I plan on paying them--just not yet. I've read that once I pay them, they will be reopened & remain on my credit report for 7 years from the date of payment as opposed to the date they were assigned to my credit report which was 4 years ago. So my plan is to leave them alone for now and build up my score and obtain my dream credit cards--then pay off the collection debt when I can "afford" to take the possible reopening hit to my credit. Does this make sense?
The Ugly: A $579 state tax lien from 2002. It is only on my Equifax CR. It dropped off of TU and EX in 2012.
At the end of January my credit card debt will be $1900 and by the end of February it will be ZERO. I'm hoping this will increase my score 19 points. I have six revolving credit cards and my total CL is $7800. Two of these cards are subprime; five if Capital One is also considered subprime.
Any and all advice/observations are welcome. Here's to financial stability in 2013!
01-23-2013 03:17 PM
01-23-2013 06:23 PM
Hope it is going well for everyone so far into the New Year. Just an update to my Credit Journey.
FICO: 599 (MyFICO), 619 (lender pull)
TU: 639 (1/23/2013-pull myself), gonna pull my equifax & wait on my myfico to update
Removed a Old Cap One CO (Yippie)
Super day to all.
01-23-2013 08:21 PM - edited 01-23-2013 08:24 PM
New Year, New You.
very excited about 2013 and the tHe opportunity to grow in 2013.
I learned that plants don't grow overnight only with careful Gardening.
2013 goals are continue to garden and apply for and receive Amex Platinum card.
Finishing the year with a score in the 760's-780's
Mentor any new members in helping them be debt free & credit worthy. If I did it so can you
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO