Happy New Year everyone. After many years of ignoring my credit score, I recently checked it and was mortified to see that my score was 503!! I had late payments here and there but always caught up with them. I was laid off for a while and also had a couple collections after graduating from school while I was still looking for a job. Anyway, this year is a new beginning and I am working on paying close attention and becoming much more responsible for my bills. I will also contact some of the creditors and see what I can do to remove some of the negative info from my account. Wish me luck!!!
Goals:
1. Pay off all credit cards by April
2. Dispute negatives on credit report
3. Save $10,000
4. Take 18 credits for grad school
Starting Score: 503