Hello my fellow FICO Challengers:
I'm new to the forum but am very excited to start and succeed!
I'm currently at a 644 and my goal is to be at 700 and beyond!
My goal is to be a proud homeowner this year. I'm tired of renting and paying off other people's mortgages. In 2000-2001 my score was at 800 but I allowed my love life to ruin my credit. I let him use my cards and credit and soon my score dropped to the low 500's "ouch". Well believe me I learned my lesson. I'm now in the process of rebuilding my credit and it feels good to see a better score now. I have one credit card I use and pay religiously on time and have one car loan that I also pay on time.
I'm taking steps to remove old complied with negative information on my report and hopefully it'll help raise my score a bit. I also still have 1 collection item on their but i'm going to take care of that very soon. And that's it!
I glad to be here and hope to report a better score soon 
Starting Score: 644