Hi everyone! I'm getting married in July to someone with very good credit, and I'd like to be able to buy a house together in a few years and not drag him down. So excited to finally be facing my credit demons, and finding them less formidable than I had thought. Apparently dealing with stuff is better than ignoring it all for years, lol!
Where I've been: In default for student loans and ignoring it for a couple of years, haven't had a CC since college (almost 15 yrs ago) when I maxed out an Amex at $800 and never paid (shameful), good payment history as an authorized user on my mom's card which is closed now, and a satisfied judgement for state tax from 2009, $404. I have no FICOs since I have no current credit accounts. Pleasant surprise - I had a few small sums in collection over the past 10 years, none of which are on any report.
What I've done: Signed up for USAA CCMP to access all my reports and track them daily as needed. Applied for and received 2 ccs - BofA secured, $300, and CapOne Classic Platinum, $500. Read A LOT on here, so I'm actually educated about credit for the first time ever.
What I plan to do: Try to get the judgement off my reports by contacting the court, use ccs for small charges and PIF monthly, contact SL CA and start making payments.
Since I have no FICOs, and my FAKOs are all over the place, it's hard to set a realistic goal, so I'm just shooting for my ideal of 700 by YE. Good luck everyone!!
Starting Score: FICOs: 0, PLUS FAKOs: 660, Other FAKOs: 585