my first time here . new to the forums . i would like to get my scores to 700 accross the board by this time next year.
i over did the apps this year. will be gardening for atleast 1 year. hopefully can control myself for 2 years.
My debts are out of control.
Looking to avoid BK and really focus on paying everything down this year and boost my scores.
Equifax: 722, Transunion: 697, Experian: 707
Goal: 750s across the board
New to the fitness challenge this year. Here are my goals for 2019.
1. Maxing out 2018 IRA. (~1500 remaining)
2. Max out 2019 IRA. (6k)
3. Get my emergency savings where I want (~2k more)
4. Save enough extra to max 2020 IRA on Jan 1, 2020. (6k) Continue to try to hit max IRA on day 1 into the future.
5. No additional cards in 2019. (0% AMEX BCE thru 2019)
6. Continue PIF statement balance on all cards except 0% rates.
7. Dispute 1 HP that was fraudulent and dispute lates from student loans that I received forbearances during the timeframe of lates.
This may be tight and if anything extreme occurs I may not hit it. Just putting it down on "paper" to remind me and try to stay focused.
@Laura I personally am NOT committing to gardening. Having goals to me does not necessarily equate gardening.
My file is thin. I have only a couple cards and a student loan. My Fico Challenge goal includes both allowing what I have to grow (no closing accounts) but also ADDING bulk (in the form of an SSL and possibly an auto loan toward the middle or end of the year).
I avoided credit for quite some time and am bulking and aging.
Your story sounds very similar to mine.
Before I found MyFico, I was exactly the same. Cash only for most of my life. Only student loans and 2 Cap1 low CL cards (plat and buypower). Credit scores were in the 580 range. About the time I found this place in summer 2017 I started bulking and following advice from these forums. 1 1/2 years later, I think I have a pretty good collection of cards to grow from. Also during that time I opened and paid off an SSL for some taxes I owed.
Is it too late to join this also? I'm not 100% sure what is considered gardening, but I'd really like to hit 700+ by June, and then 720-750 by the end of the year, if possible. I'd like to be more rounded in my credit profile, and although I don't have any major purchases planned, I'd really like to be able to confidently apply for credit without the underlying fear of the "we'll send you a letter in 7-10 days and let you know" schpeel.
EDIT: Is anyone else having trouble adding the icon to their signature? I keep getting an HTML error.