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@Anonymous wrote:Should I wait for the new challenge for 2015?
Joined late myself but it was like getting my foot in the door making it official for 2014. Your good to go and join the rest of us now! 2015 is just around the corner anyhow.
My husband and I want to buy a house in about 6-8 months - but my credit is a mess. I'm not exactly sure how it happened - it used to be in the high 790s. I have some time, and I want to see those numbers back where they belong!
I had credit scores in the 800s several years ago but I went through a financial crisis and my credit scores plummeted. I've been trying to rebuild my credit ever since. My goals for 2015 are to have all credit cards and line of credits paid off, obtain premium credit cards and increase my credit score to over 800. This forum is a huge source of good information and has helped me better understand the do's and don'ts of credit usage. Thank You!
Almost three weeks shy of the start of 2015 I decided to take the myFICO Fitness Challenge!
Like others on here destroyed credit, lived on cash for years. Decided in 2013 that we needed a new car and realized that credit was important and decided to take responisbility for our credit.
Started working on our credit in June 2013 ( past scores).
In 2013 with my scores in mid 500 I was able to obtain a car loan with a 10% interest and CC with a $500 limit and 13.99% interest all thanks to my credit union. Both are Joint with husband.
In 2014 got almost all but two "baddies" of my CR. I obtain a Capital One Quicksilver One CC - $300, Walmart Store Card - $400, Care Credit - $800 (joint w/husband), Amazon Rewards Visa - $1000, Paypal SmartConnect - $600 and raised my Credit Union CC (joint w/husband) limit to $1000 (DONE PLANTING SEEDS!)
In 2014 my husband obtained Capital One Platnium - $300, Valero - $300, Target Red Card - $300, Care Credit - $800 (joint w/husband). Credit Union CC limit raised from $500 to $1000 (joint with husband) (DONE PLANTING SEEDS)
Goals for 2015 for my husband and myself are to water and feed my garden, raise my limits and my credit scores to obtain my 720 by the end of the year. My last two baddies will fall off this year! My husband has 5 baddies (thats it!) set to fall of all in 2015!
Goals for 2016 raise my scores to close to 800, my continuing the water the garden and plan on becoming first-time homeowners!
I'm right there with ya, I defaualted on my student loans, OMG. What a nightmare. Luckily, 9 months of ontime payments, and all is forgiven. I wish all creditors were that nice. Thank you all for your support and compassion. It's much appreciated. I'm a bit late to the challenge, but next year, I'm in
Hi everybody,
I'm very late for the 2014 challenge, but better late than never. I kick myself everyday for my stupidity in my 20’s. I am 31 now, a couple months away from my 32nd birthday. As of June of this year I finally sat down and looked at my credit report. It was bad, REALLY BAD!
My credit report in June:
Equifax: 11 collections
1 Judgment
0 Revolving
9 Installment Accounts
3 Closed Accounts
TransUnion: 11 collections
2 Judgments
0 Revolving
9 Installment Accounts
3 Closed Accounts
Experian: 11 collections
0 Judgment
0 Revolving
9 Installment Accounts
3 Closed Accounts
My credit report as of now:
Equifax: 4 collections (1 to be deleted, 3 waiting on disputed)
1 judgment
10 credit cards (4 as authorized user)
16 store credit cards (1 as authorized user)
9 installment accounts (1 paid off as of two days ago)
3 closed accounts
TransUnion: 5 collections (4 to be deleted, trying to dispute 1)
2 judgments
10 credit cards (4 as authorized user)
16 store cards (1 as authorized user)
9 installment accounts (1 paid off as of two days ago)
3 closed accounts
Experian: 4 collections (3 to be deleted, 1 trying to dispute)
0 judgment
10 credit cards (4 as authorized user)
16 store cards (1 as authorized user)
9 installment accounts (1 paid off as of two days ago)
3 closed accounts
Current credit scores: Equifax-599, TransUnion-617, Experian-611
My scores where around 620-653, but I have a lot on inquiries. The judgments are supposed to be removed from my credit report June/September 2015. The 1 collection that shows up on my TransUnion and Experian is from a traffic ticket (that I have no clue about, nor was I contacted about it). I called the collector Access Capitol and they say it’s from a 2010 ticket and totals $1034. It was placed on my credit report in 2013. I disputed it on my credit report, but they are saying it’s valid. I’m not sure what to do about it. The closed accounts are:
2/3. Citibank Student Loan from 2007 and missed payments in 2009. The loans were transferred to another lender and I paid to have the default removed. Citibank won’t delete it from my credit report. I have disputed it, and tried calling them to no avail. I am not sure how to remove them from my credit report.
I have to admit that after six months I have cleaned up a lot on my credit report, high five to me. I still have a long way to go. I do have one other problem. I had Sprint for years, but they kept overcharging me. I finally had enough and switched to Verizon. I told Sprint that I would pay my last bill but of course they STILL overcharge me and sent it to a collection agency. I’m not sure how to fight it. It’s a little over $1500.
My credit cards:
Capital One Platinum-$300
Capital One Quicksilver-$300
Capital One Secured-$200
First Access-$300
First Premier-$400
Verve-$500
My store cards:
Wal-Mart-$150
Target-$300
Amazon-$600
Kohls-$300
Macy’s-$600
Jared-$1000
Old Navy-$200
Victoria Secret-$350
American Eagle-$150
Torrid-$500
Lane Bryant-$300
Express-$250
Blue Nile -$1000
Credit First National Association-$900
The Limited-$350
Authorized User:
Discover-$1600
Home Deport-$500
Credit One-$400
Capital One Platinum-$3000
Capitol One Quicksilver-$3000
Now my goal for 2015 is to have the last few baddies removed from my credit report. I want to be able to purchase a house, raise the credit limit on my store and credit cards, and have a Discover and American Express credit card. I don’t want First Access, First Premier, and Verve.
If anyone has any suggestions I would greatly appreciate it.
Just wanted to say thank you to all that have helped me get on the right track to fixing my credit score. I started late here with fixing my credit. Pulled my FICO report on 11/21/2014 and immediately got to work and in one month my credit is going up.
11/21 to 12/20
Experian – 518 to 601
Equifax - 489 to 581
Trans Union - 492 to 568
Hi all, I am new to this challenge. Currently a college student with a part time job and full-time nursing student. I've always been partially aware of the credit score business, but never really paid full attention to detail. I am planning to start that now. I have always paid my bills in full and missed one payment date so far because of my lack of attention. The first time I checked my credit score it was 711. Now that I am starting this challenge, I am current around 744-749. My goal is to hit high 780-800. Thanks!