26 here.  Didn't bury myself in debt too bad, but that didn't stop my from destroying my credit.  Finally free of CC debt, been working on restoring my credit for about half a year now.  Now that I have a handle on my finances, I'm trying to go back and see if I can't have a "revisionist" history and get some derogs removed.  Hoping to buy a car and house in the next 12-24 months.

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800