My goal is to reach 700+ across the board by this time next year and purchase my first home.
This is my first year participating and boy do I need to. After spending 2014-2015 repairing my credit from multiple CO when I was young and stupid I almost undid all that hard work by racking up a lot of credit card debt in 2018 due to unforeseen circumstances. Very frustrated with how I ended up here and I’m aware this will be a multiple year process to completely dig out of.
On the plus side (I guess) I only have 1 INQ and all the old derogatory credit did finally roll off my credit report so provided I can do what I need to do in 2019 it seems like my scores should increase as my debt and utilization lower.
Short term goals are pretty simple; pay down credit card debt, lower my utilization and prevent any accounts from becoming derogatory – the only account seen with a negative mark (apart from the high uti) on my report right now is my Target card which was 30 days late in 2018.
Down the road (6 months to 1 year) as my scores hopefully increase I would like to see what my options are for consolidating some of my debt (most of my cards are high interest) into an installment loan but I will cross that bridge when I am able to get to it. Purchased a fresh 3B report today so I could be clear on what my scores are and I’m actually surprised they aren’t worse.
Hello everyone!
I just joined the site today and am glad I am going to try this challenge hoping I can learn a lot and want to buy a new car soon.
Unfortunately, in my younger years, I didnt pay very much attention to my credit and have handfull of old collection accounts I need to clear up. I have been good a stopping myself from opening new accounts in the past several years other than one credit card I have been paying on regularly over the past year.
I have an auto loan that will be paid off in February but am in need of a new car. I still have a lot of reading to do on this site, but am happy I have found a great resource to learn from. A lot of things I read here are foreign to me and not sure what all the different scores mean right now, but am excited to better my credit.
Starting Score: EQ: 620 TU: 596 EX: 622 
@psylentj wrote:Hello everyone!
I just joined the site today and am glad I am going to try this challenge hoping I can learn a lot and want to buy a new car soon.
Unfortunately, in my younger years, I didnt pay very much attention to my credit and have handfull of old collection accounts I need to clear up. I have been good a stopping myself from opening new accounts in the past several years other than one credit card I have been paying on regularly over the past year.
I have an auto loan that will be paid off in February but am in need of a new car. I still have a lot of reading to do on this site, but am happy I have found a great resource to learn from. A lot of things I read here are foreign to me and not sure what all the different scores mean right now, but am excited to better my credit.
Good luck 
!