1. Goal - TU-720  EQ-750

2. Current- TU-655  EQ-701

3. Steps to Achieve- Lower utilization, continuing to pay on time, no more inquiries for the year, trying to GW citibank and target

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Starting Score: TU: 655 EQ: 701 (12/2010)
Current Score:TU: 673 EQ: 701 EX: 675 (2/2011)
Goal Score: TU: 720 EQ: 750 EX:720

Take the FICO Fitness Challenge

Hi Barry,

Belated Happy New Yerar to you and hope that it will bring lots of joy, happines and peace.

Thanks for the offer of free score and challenge of 2011. Keep me posted with your advices and help to have better score.

Edited to remove personal information. - llecs, myFICO moderator

To take the challenge, tell us: 

1.  My goal is 650. I don't think it's too unrealistic because I'm hitting the ground running.

2.  491, last I checked, in late 2010

3.  Well, a LOT of what is on my credit report are errors. Lots and lots of errors. So I'm going to dispute those.  I'll be sending letters to everyone asking them to remove negatives, too. I don't know if it'll work, but it's worth a try.

rustbelt:  Welcome to the forums - glad you're here. 

A portion of your post has been edited because it's against the Terms of Service and User Guidelines to discuss unethical methods of dealing with your credit, including disputing accurate information in an effort to have it removed.  There are lots of helpful posts in the Rebuilding Your Credit forum that I hope you find helpful.

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Starting Score: 491
Current Score: 491
Goal Score: 650

Take the FICO Fitness Challenge

rustbeltreboot.wordpress.com

1.  I would like to be above 740 on all three.

2.  My current FICO's are all around 680 to 695.

3.  Use my tax return to pay off all the CC debt I was carrying, keep utilization low, and only one more app for the entire year (BofA Accelerated Cash Amex).

My new goal is posted in my siggy below.  I've raised my goal from last year, 750, to 800.  I've had much improvement in my scores and am still learning the fine points of credit management.  My debt is way down, I have to improve my utilization (which is way down), and work on preparing to pay my school loans.  Right now I'm in the midst of refinancing my primary residence where the payment will almost be $200 lower.  In order to complete this I have to get the bureaus and credits to remove comments I placed on the report, issues were resolved, but the comments were not removed.  I hope this works out; it will help a lot. 

Thanks everyone on the Board for all your help. 

Barry, how do I send you a personal msg for a free Equifax score? 

2010 Original Goal 750

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Starting Score: EQ 1/2010, 699; EXP 12/09, 723; TRANS 11/09, 710
Current Score(Updated from tri-merge mtge 1/21/11): EQ 1/11, 729; EXP 1/11, 759; TRANS 1/11, 731
Goal Score: EQ 12/2011, 800; EXP 12/2011, 800; TRANS 12/2011, 800

Take the FICO Fitness Challenge

1.  Your FICO score goal for 2011 -- 725

2.  Your current FICO score(s) -- EQ: 663 (01/12/2011) - TU: 703 (01/02/2011) - EX: 680 (FAKO) 01/17/2011)

3.  The steps you plan to take to achieve your goal -- Pay bills on time (as I have been doing) for the next 12 months and keep revolving credit balances low.

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Starting Score: EQ: 612 (09/2010) - TU: 604 (09/2010)
Current Score: EQ: 702 - TU: 750 - EX: 708
Goal Score: 725

Take the FICO Fitness Challenge

So, I feel like 2011 is going to be a great year...  I recently had 2 negetive items deleted from my reports because they were not my debt. YAY I also had 2 paid in full... Charged off CC'S deleted. I have many utilities still in collections and am trying to work a PFD with them as well. I am going to try th OC as I didn't know before reading these forums many utilities will still accept payment and have all neg's deleted. I never had financially fit parents or anyone to show me how credit worked. I had good credit until I was about 20, but that quickly changed. I had cosigned for 2 relatives to get apartments and also co-signed for cell phones etc. Let's just say, things went south when everything started rolling in. The apartment complexes never informed me of late rent or an eviction, etc. I thought my cousins still lived on their own. Nope, moved back home with parents and I was left to clean up the mess. I was overwhelmed and let everything hit the bricks. I am making good money now by running my own business and I also have a full-time night job. I am on the warpath and am going to clean everything up. I have had relatively good success. I have several secured accounts in good standing, no lates and a student loan with no lates. I can do this and so can you. Good luck every one. 2011 is going to be a great year!!!!

Starting score: TU 422, EQ 406, EX fako 435

Current Score: TU 568, EQ 522, EX fako 565

GOAL:   700+ On all 3

My Goal is to have my FICO score at 700 by the end of the year.

My current FICO Score is 611 as of 01-0-11

Steps

I need to pay down some debt about 20% of my totaling $10,000

Remove some late payments over 6 years old possibly goodwill letters

Work with Wells Fargo Home Equity on a charge off item that I’m currently paying on.

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Starting Score: 611
Current Score: 611
Goal Score: 700

Take the FICO Fitness Challenge

Current: EQ: 682, EX: 688, TU: 692

Goal: 750+ on all three

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Starting Score: 583
Current Score: 692
Goal Score: 750+

Take the FICO Fitness Challenge

Current FICA Score of 791. I 'd like to get my score to 820 by end of 2011. What do I need to do to get to my goal.

Rob