Hi. First time posting. I recently started getting serious about my credit. EX:637 TU:666 EQ:612
My goal is 700s across the board. Want to refinance my car to lower my interest. Looking to purchase my first house next year.
I have 5 CCs. Highest CL is 1,500 on Disco. I want to raise CLs.
Trying to learn more about credit fitness.
My first time here as well.
Post BK. Ch 13 takes forever! -Didn't know it was after the discharge date, which is an additional 5 years in my case. Building credit slowing.
Hope to learn from everyone.
I am in. Two months late, but better late than never. I am trying to get to 700 for starters and eventually to 750. My goal is to purchase a property.
Have been aware of, and lurking on site for some time. Posted first time in Credit Cards a month back, seeking help. Received help!
50% through 30 year loan on investment property, and 33% through primary. In 2019-20 plan is to apply equity in both towards new primary, going from 2 to 1 property. Though will pay some capital gains, the target property, reduced income to debt ratio, and reduced overall mortgage footprint are worth it. Will be going through pre-qual process in next few months.
Credit went from 800s in the 2000's to 500s in early 2010's. Worked through NoD's but no bk's or foreclosures. Was a tough spell though and just clawing back. Believe good habits were born out of necessity. Would like to return to point where credit for us, is a buyer's market.
Very glad to be part of this community.
I've started gardening in Jan 2019 and already started to see some seedlings grow! Looking forward to becoming pro.
I am not sure if i did this correctly, the HTML was giing me an error...
Hoping to pay off some unsecured debt to get ever closer to 850!
Excited about this challlenge. I have come so far and still have a ways to go. But that is fine, I will make the best of every step along the way.