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My goals this year is to simply start over, I would love to increase my credit score, lower my mortgage rate, really start saving, buy a new car and last but not least get married
Hi everyone,
Currently, my wife and I have $18k in credit card debt, around $8k in medical bills and about $6k in other bills that we would like to pay off. While the interest rates aren’t significantly high on any of our debts, we would like to end 2014 with $25k in savings, no credit card debt and four months worth of bills paid ahead through the slow winter season. Since I’m a salesman, November to February is my slow season so preparing for this time is extremely crucial.
Hello!
My goal for this year is to try and get my credit up to 650 this year and within the next two years I would like to try and get my credit up to 750 and then eventually over 800.
I made some really reckless choices with my credit in 2007 when I was just out of high school and never really understood the effect that my actions had in the long term for my credit. So I suppose, I am here to try and learn about how to improve my credit and become more fiscally responsible.
@cbem wrote:Hello!
My goal for this year is to try and get my credit up to 650 this year and within the next two years I would like to try and get my credit up to 750 and then eventually over 800.
I made some really reckless choices with my credit in 2007 when I was just out of high school and never really understood the effect that my actions had in the long term for my credit. So I suppose, I am here to try and learn about how to improve my credit and become more fiscally responsible.
Welcome to the forum
Great goals
Hello all. I am wanting this challenge so that i can improve my credit score. I never truly understood until now how important this can be to save money. I also would like to purchase a home with a good interest rate. And so the journey begins!!-Melanie
I am attempting to purchase a home and I'm told I need at least a 620 to qualify for a particular program so I don't have to pay 3.5% down payment. I was wondering if Equifax is always the middle score or could it be any of the credit bureau? My current equifax score is 615(myfico), transunion 649(according to myfico) and 690(identity gurard).
I'm gonna start 2014 off on the right foot! Got big plans for getting these scores up
Hello all. I'm taking the challenge because I've decided this year is the year I take control of my credit. I had the wrong idea about credit and messed up early on. Just as I started to clean up my credit profile, I was involved in an accident that ultimately (and unfortunately) led to my bankruptcy. This year my goal is to stay on top of my credit, learn more about what improves/hurts it, and to map out a way to (finally) improve my score. I've never experienced a CLI - that's also on my to do list.