Regular Contributor
Posts: 229
Registered: ‎12-12-2010
Re: Take the FICO Fitness Challenge for 2012!
[ Edited ]

About Me: 28, unemployed (due to budget cuts), college student with student loan debt (currently have a Sallie Mae CO that is more than 180+ that I am working on bringing current)

 - No one in my family has good credit nor really any money. I've always maintained good employment with a nice salary until I got laid off. Then payments became late, yadda yadda. My credit was destroyed from the gate because by the time I was 18 family had opened accounts in my name that were unpaid, I had identity theft, etc.


Now (thanks to Suze Orman and you great folks at MyFico) I understand the importance of having your financial house in order - including credit.  Now that I am getting older, I want to buy a home (hopefully when I'm 30), be able to secure credit for my business, put myself through grad school.


 January 2012 Starting Scores - EQ (591), TU (580), EX (576-BOA Pull)


Goals for 2012

1.      Obtain Employment!

2.      Get 1 to 2 secured cards to rebuild - COMPLETE

·      Actually got approved for a small unsecured Orchard card on 1/13/12

·     Signed up for Open Sky secured card 1/20/12

3.      Keep util under 6%

4.      Make arrangements on my SM loan so that it's not still reporting 180+

5.      Raise credit scores to 650

6.      PFD 2 accounts -COMPLETE

  • RJM - Wachovia, Feb 2012
  • Univ Hlth-Medical, Feb 2012

7.      GW 2 accounts

  • Honda Finance (60-late and CO removed), Feb 2012


Starting Score: 576 EQ 1-12-13
Current Score: 588 EQ 2-3-13
Goal Score: 650

Take the myFICO Fitness Challenge