I'm taking the challenge again this year. I am really in hopes that this is the year that I finally follow through with everything. I've realized, that it is important to work towards small victories to maintain momentum, rather than be discouraged at setbacks along my journey.
Starting Score: 500
Hello, I’ve joined the challenge , 
I want to ease into this by getting my score up to 640 by next year and keep building. Of course making it in the 700 goal in 7 years would be awesome because I want to buy a home. I have 8 collections I will have paid in 3 months.
Paying all off in 3 months
- Capital One C.O. $444
- Discover C.O. $1165
- Wells Fargo C.O. $92
- Portfolio Recovery $1688 settling for $1350
- Midland Funding $776 settling for $465
- Speedy Cash $942
- Verizon Wireless $1086 settling for $653
- Conns $2166 settling for $1736
I was approved for amazon secured card, applying for citi secured card & opensky. I already have 5 installment loans (student loans) paying as agreed. So I am definitely excited for this journey. My scores are 503 Equifax 511 TransUnion 507 Experian.
