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Way to go mb. Keep it up.
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.
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: 750
I am excited to see where it all goes.
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.