Hi all - Do we post here for the 2013 thread?
I'm new to the forum, but taking the challenge in 2013. Lay offs wreaked financial havoc b/w 2007-2010 and we spent 2011-2012 just getting a positive cashflow and financial stability. Now it's time to rock n roll with increasing the FICO score to 700's.
Actions steps for 2013:
1. Timely payments throughout 2013 with new auto loan established Nov 2012.
2. Obtain secured credit card with credit union in Spring 2013 with timely payments & less than 10% utilization.
3. Pay for delete 2 large charge-offs currently showing as balance owed w/ recurring late pays or settle in full if only option with creditor.
4. Pay for delete smaller collections items currently showing as balance owed w/ recurring late pays or settle in full if only option with creditor.
Starting Score: 581