Hello evrybody;
I am new to this forum and also new into establishing credit. I have recently applied for new credit and have been succesfully obtain a few of them. However, my main goal is to make them grow for the next 24mos or until all of my inquiries fall-off from my reports. Next, another main reason as to why I plan to grow my credit, is to give my wife all of her cards that she lost when she had no choice but to declare BK7. She has had perfect credit for almost 20yrs of her life reaching FICO scores of over 800 points and because of unexpected bumps in our lifes she has lost all of her hard work in a matter of a few months. My goal is to regain all of those cards back and help her re-establish her credit along the way. Im pretty sure I'll get all of your support!
Starting Score:EX-639, TU-632 641-EQ(MyFico)
Hi All,
I'm currently in a chapter 13 which is due to be discharged in 45 days or so. I'm looking forward to put my bankruptcy behind me and rebuild my credit from here. Some of my goals for this year are:
- purchase a new car
- save enough money for a down payment on a new home.
- clear up my credit report
I look forward to this years challenge! Good Luck everyone!
I copy the code for the siggy block & I get this!
Very strange, because I didn't even add my personal info...this was just the code template provided. I'm trying to fix the fact that my logo doesn't show up. I get the balnk box with the red x.
Thanks!!!! I always knew that "You Da Man"!!! 
How's things in FICO-Land??
@llecs wrote:
@BungalowMo wrote:
How's things in FICO-Land??
It's better now that you're back!
Awww....you are too kind!
After weeks of eyeing these threads for advice I've decided to become a Fitness Challenge Member for 2013 with a little over 9 mos to go.
My credit is in pretty bad shape to be so young as a result of not listening to my parents. Since I graduate college in December 2013, I'm looking to move to a new city on my own so I'll need to improve my credit so I can:
- qualify for an auto loan with a decent rate - by December
- rent an apartment - by December
I'd like to reach 650 by October. is a 100 pt increase feasible in 7 months? I've signed up for the myFico ScoreWatch so I'll be using the Simulator to help figure out the best course of action to reach this goal I know I will need to:
- dispute/pay off collections accounts - by August
- Pay down secured credit card to below 10% utilization - by September
- Qualify for new credit cards to rebuild credit worthiness - October
I've got a long road ahead of me but I'm excited to begin.
P.S. I managed my first PFD two weeks ago. A small delinquent storage bill, but it was something.
Starting Score: 552
We seem like we're in the same boat with our current score and goal.
How many line of credit do you have at the moment, if you don't mind me asking.
Good luck to you, NoMoBroke!