I would like to join the Challenge mid-year as well. My goals are similar to others:
Looking to join up mid year. Looking to get my scores up to refinance a new car I just had to get because my old car died on me. Also looking to get score up to get my first AMEX card and get my secured Discover Card unsecured.
New to the challenge but I am excited to clean up a few baddies and stay in the garden for a while with the end goal of purchasing a home. I know itll take time to get my scores/report up to par, but I'm determined!
I'm new to the Challenge. Been following people doing it for almost four years, but finally got into a financial place where I can make it happen and finally get into the right place.
No BK, but a lot of bad decisions (between my own and those I've taken on for others). I'm doing a lot of repair for stupid young decisions.
I'm not young anymore. I'm a father and a husband, and I can't let my own youthful decisions disrupt or affect my family's growth. I want to be the best I can be for them, so I need to improve financially.
Any steps in the right direction would help greatly. Right now, I've got a Discover it Secured Card, a First Premier Credit Card, and a Credit One card. Planning on leaving it at that and gardening for a bit here, but I've got a lot of work to do to keep everything proper and pat with my cards.
I recommend mentioning you have those cards and are afraid to close them in the fico-scoring sub-forum. Many others more knowledgeable than I will be able to assist you on the best way to do it.
I'm a little late to the party, but I'm in! I just paid off all of my debt except the mortgage and now it's time to build my credit score back up! It's been a long year, but things are looking up!