My goal for the coming year is to refrain from applying for any new accounts or any hard pull credit limit increases. I'm hoping to see my scores rise.
wrote:Hey everybody!
This is my first time taking the challenge, and also is my first day actually with a profile on myfico! All I can say is I am inspired to do better.
I am not currently a member (YET) but as far as my FICO 9 can tell I am currently at 626 (even though CreditKarma says 594). I just had a hard pull that was sadly declined even after recon, but I just brought my utility from 98% to 27% recently which should help. I plan on waiting a couple of months to refinance my car loan so I can garden a bit. Then I plan to stay in the garden until I get married in December!
My goals are
June: 650
December: 700
I am excited to see where it all goes.
Welcome, lots of great people here with a wealth of knowledge.
wrote:
Hello all,
This is my first time doing the FICO Challenge
My current scores are super low but my credit goals for this year:
-take care of 2 of 4 collections accounts on my report(derogs are killing my score)
-keep my utili. Low on both of my cc
-become an AU
-be worthy enough for at least one more cc
-improve scores enough to refinance auto loan by June.
My fico goal for the first 6 months of the year are go from my low 500's to a 550/575. By December/January hope to have 625. Hopefully those are reasonable goals. My EX score jumped up 27 pts these past 3 days from paying down(settling) some collections.
Great goals! A lot of us have been there, keep your head up and hold yourself accountable.