I am taking the FICO Challenge.

My Scores took a massive plunge for a recent 30 day late, after 6 months of on time payments and a 60 point jump.

My wife and I want to purchase a home within the next two years:

TU Score 537

EQ score 515 ( OUCH)

Goal: 630

Reduce debt

Maintaining new accounts

Paying ON TIME

Im going to make my goal!