07-04-2013 07:00 AM - edited 07-04-2013 07:02 AM
This website really motivated me to do something about my credit. At 18 I had a cosigned card with my parents with a $300 limit. Maxed it out and after a few payments went to collections and they paid it off. It was downhill ever since.
My ex husband assisted me in having 2 vehicle repos and multiple cash advance loans defaulting. As things cleared then medical debts and Golds Gym were added.
At 29 with all that behind me I'm focusing on never letting that happen again. I now use credit responsibly and its showing. With my tax return I paid off the remainder of my collection accounts.
Wallet: Public Savings Secured Card $400 CL, Target Store Card $200 CL, Chevron GEB $1300 CL
Starting Score: 570
Current Score: 659
Goal Score: 700
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07-04-2013 06:40 PM
Hello, I have been watching this site for a while now, this is my first post, just trying to improve my score and got about another year before a collection falls off..
Joined Credit Karma back in 5/11 had like a 584
since then I have got up to 639 with them and 680 with Credit Sesame
I know my Experian and Equifax are sitting at 710 and 705 respectively due to recent CC's I just got they had the scores they approved me with on them.
My ultimate goal of course is get my score to the low interest rate area. I am gonna shoot for 800 in a year at least if I fall short I'll be high 700's
Current Score:Credit Karma -638 TU
Current Score: Credit Sesame-680 EX
Current Score: Credit.com-681 EX
GOAL SCORES: 800 across the board
Thanks for your time,
07-04-2013 07:44 PM
I just found this forum/board and I am very excited to learn all I can to improve my financial picture. I don't have a lot of "new" debt but I have a lot of old stuff that should be falling off my credit reports soon. Because I don't have a lot of current credit, my scores are lower than I would like. My plan is to open 2 secure credit cards at my financial institutions (one bank and one credit union) with the hopes that both of them reporting my payment history will bump up my scores...I also plan to pay bills on time and not incur any new debts....my overall goal is to purchase a home next fall (currently under an apt lease)...good luck to everyone...my goal score will change but I think my goal is doable with the time frame we have left in 2013!
07-05-2013 06:06 PM
07-06-2013 09:27 PM
07-08-2013 08:27 AM - edited 07-08-2013 10:32 AM
Starting over after Chapter 7. Discharged 6/26/13. I just pulled all three reports with fico scores of Experian 585, Equifax 605, TU 568.
All three scores were in the 400's at the time of filing. So my situation is improving
I currently hold a mortgage (never late) and a Cap One Sec card CL 300. At the time of me pulling the reports only Equifax had the new Cap One card on it so I expect the other two scores to go up too.
Well thats it... Looking forward to a fresh start
07-09-2013 07:32 AM
I am new to this forum but I am truly focused and committed to having perfect credit by 2014 and by any means necessary I am ready for the challenge. My goals are to consistently pay my credit cards on time and NOT use them at all Hoping to get credit line increases as a result of consistent on time payments. Payoff all collection accounts. I just want to have perfect credit, that's it. Any helpful hints will be greatly appreciated...
07-12-2013 08:41 PM
Hi, I'm not sure what I want yet, but I just found my credit score. Ideally I want it above 800, but I'm not sure what I can do since I only have a short credit history and I have very low balances (<5%). But sure, I'll join the challenge!
07-14-2013 08:58 AM
I screwed up my credit when I was very young. At 18 I was mistakenly issued a high limit credit card by an outfit called AT&T Universal. It got ugly quick and it never recovered. This was back in the late eighties, their collection tactics were brutal. Calling all hours day and night, threatening to send me to jail, etc, etc. I got a chip on my shoulder about creditors and took pleasure in stiffing them. I went out of my way to do it.
Flash forward twenty years and things have changed a little. I've learned to live without credit for the most part, I've had to. I hope this gives me an edge while rebuilding.
I've filed for BK7 and will be discharged in a few months. I'm working a two year plan on my rebuild. As luck would have it, the majority of my many baddies will fall off in that timeframe. I will soon be debt free, and if all goes well, have a clear credit report with just a bk7 reporting negatively.
Goals for the next calendar year is to reach a 650 credit score. Obtain credit cards that will reflect positively on my credit report, and start turning around a lifetime of bad decisions.
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