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!
I have the most pathetic credit goal ever. I want a CLI on AR. I know how sad that sounds, but that's my goal. It's not HP that's preventing me, it's that I'm not sure if the time is right, or when the time will be right. US Bank is weird, so I'm just sitting impatiently waiting for that one impulsive day lol
I took the plunge and paid $1 to see my additional score, was pleasantly surprised when u saw that credit seeking was hurt credit seeking was hurting my Fico 3 score. I've opened 2 account this year (September). I got hit with a CU HP in Feb 19 cuz I opened a saving account for my kid.
Well I won't be seeking anymore credit until 2021. SP CLI biannually and grow the age on my accounts
I have absolutely no idea how to do all that signature stuff y'all got. I want to build my credit up and save money to buy a house in spring '22. I filed bankruptcy which discharged February '19. I got discover Secured - $200 limit, Fingerhut- $300 limit and self February '19. My fingerhut is $1200 limit now. Discover is unsecured and $1800 limit. I hate Fingerhut and would like to replace it with a different retail card. I also got an auto loan through Ally in April '19 and a CC via Ollo September '19.
@RoadRage90 this might help: How to add card pictures to your signature: http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td...