To take the challenge, tell us: 

1.  Your FICO score goal for 2011: 620 (Is this even a realistic goal?)

2.  Your current FICO score(s): TransUnion 530 & Equifax 604

3.  The steps you plan to take to achieve your goal:

-------Make on time payments on my student loans (my only debt after a bankruptcy on 12-13-10).

-------Learn what steps to take post-bankruptcy to help increase my credit score and make a plan to follow them.

-------Establish an emergency fund.

-------Establish a monthly personal budget and LIVE by it.