2013 CREDIT JOURNAL

Anonymous · ‎01-08-2013

This is something I should have done along time ago, but didn't have the courage to. Itimized list of my debts. Currently sitting at (TU-537, EX-544, EQ-523)

STUDENT LOANS in default-$11000(but made 1st payment today, +9 consecutive payments, they come off, paid as agreed)

HSBC credit card-$1175(setting up payment plan).

First Premier-$400(paid off today)

Eastern Accounts(COMCAST)-$315(paid off today)

On the Good Side:

Cap1 secured-$200, Cap1 cash rewards-$500, Military Star Card-$500 clothing limit

Looking to get to 700 by the end of the year. Realistic goal??? And suggestions, advice??

Shogun · ‎01-08-2013

You've got 12 months to work on that goal. Keep your payments current on your SL, send GWs to those that you've paid and then to HSBC when they are paid off.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Anonymous · ‎01-08-2013

Thanks for the heads up and advice! Appreciate it!

Unique620 · ‎01-08-2013

Its never to late to start your journey! I just started mine 9 months ago. I hope alll goes well.

Anonymous · ‎01-08-2013

An update to my original post. I was going off old scores from November of last year.

updated scores 1-8-13......EQ-642, EX-567, TU-???

Not a bad starting point...again, looking to be at 700 by years end w/all 3!!

LIGHTNIN · ‎01-09-2013

Hi and welcome to the forums,

Are your scores FICO's? Where are you getting your scores?

Suggest reading The Son Of Credit Scoring 101.

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?