I've casually come across the myFICO forums multiple times throughotu the years but never took the plunge to sign up as a member. I'm excited to be doing so now and beginning the Fitness Challenge even if it is September! Poor, misguided actions made as a youth after getting my first credit card have hit me hard, and choices at 20-22 are also still damaging my report. I'd like to attempt achieving a score of 600 prior to January 1, 2020. It'll be a long road but I'm attempting to take an aggressive strategy towards my credit repair! I hope everyone has been successful and reached some of their goals thus far!