My goal is to continue my credit card debt pay down and increase my FICO score to at least 760. I plan to be in the garden until at least June '23. I'm only going to report using my score per my Discover account. I do have CK and find it extremely useful for monitoring what changes occurred that affected a score change and tips to improve my overall profile. As of 12/31 my fico score is 737, overall utilization is 37%. I'll check in again on Feb 4 🙂
I met one of my 2021 goals and that was to reach a 800 score and I did on Equifax just found out this morning. New goal for 2022 is to reach a score of 825. Continued 2021 goal is to pay of my credit card by December then I am debt free other than my mortgage. I plan to by myself a new car for Xmas 2022.
Starting Score: 727
Hey there folks,
I hope everyone is well on their way to meeting there goals this year.
2021 was a rather momentous year in my credit journey.
My total debt was down significantly after paying more than $32,000 in past student loan balances. Credit scores were up across the board.
Since about October of last year I have been able to maintain 800+ scores across all three bureaus.
For 2022, I don't have a lot planned. I'll probably make one or two significant lump payments to the little remaining $13,000 student loan debt. For the most part though, I'll be nibbling at that over the next couple of years.
It's hard to believe how far I've come since I began this journey in earnest just three years ago. For those of you that may be reading this and just beginning your journey, hang in there.
This is not a quick process. If I could make just one recommendation, it would be to focus on making sound and healthy financial decisions for you and your family and the credit scores will follow.
The 'hacks' are helpful when preparing for a large purchase, but long-term credit and financial health is a lifestyle adjustment. I wish you all luck and keep focused. You've got this!!!
A Barclay Aviator Red with a 60k mile sub and a $20k CL did my garden in..... Now, Just waiting for the moment when international travel wont look so crazy with some long quarantine times. My friend flew back to China from Dallas in October. Mandatory Quarantine 21 days in a government supervised hotel plus an additional 7 days once arriving at home. No Thanks!
@CramEiko wrote:A Barclay Aviator Red with a 60k mile sub and a $20k CL did my garden in..... Now, Just waiting for the moment when international travel wont look so crazy with some long quarantine times. My friend flew back to China from Dallas in October. Mandatory Quarantine 21 days in a government supervised hotel plus an additional 7 days once arriving at home. No Thanks!
Well, it sounds like a card you wanted, so was worth killing off a few plants. You can get back in and start gardening again.
So far, things are going well. My scores went up around the first of the year. I had forgotten how satisfying this is. Now all my scores are in the 600's. Although this is low, it is far better than before. I am currently at home with Covid, and so I have not had to spend any money for five days. This has been really good for my finances- it's like my money is in quarantine, as well! 
I also purxhased a different budget planner, and I really like the format, plus the fact that it is undated, and it came with stickers!
