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Hello all. I joined late in the game during the 2020 challenge, but I'm continuing on my credit journey.
For 2020, this is what I accomplished:
1) Paid off all collections, charge offs, and past dues
2) Removed all of my collections accounts
3) Got approved for the NFCU cash rewards CC
4) Raised my credit scores by ~150 points
For 2021, my goals are as follows:
1) Pay off a predatory loans I took out previously (in good status)
2) Receive a CLI for my NFCU CC and be approved for another NFCU CC
3) Let my credit age
4) Raise my score to 750
5) Purchase a business
Happy 2021 all!
This is my first time preticipating in this challenge. I have just a few goals that I would like to share.
1. I would like to get in with chase(freedom flex) & Amex(gold or platinum ) for travel. + join NFCU.
2. AZEO for every month this year.
3. Help my younger sibling start building credit.
As I just entered the world of credit last year I need to graduate from my disco secured card + cap1 secured card. I plan to keep reading this forum and educating myself and others around me about credit. I read somewhere on here "a good friend won't let you earn 1% back" haha
@Anonymous wrote:
3. Help my younger sibling start building credit.
As I just entered the world of credit last year I need to graduate from my disco secured card + cap1 secured card. I plan to keep reading this forum and educating myself and others around me about credit. I read somewhere on here "a good friend won't let you earn 1% back" haha
More power to you, esp. #3 You're awesome to do this.
Yeah, that 1% thing is funny.
Happy 2021!
@Anonymous wrote:
4) Raised my credit scores by ~150 points
^^^^^ Luv it! ^^^^^ Congrats and Welcome, you're obviously NOT late....not after doing that.
I started back in March 2020, but joined the challenge in October or November last year.
Baby steps, with occasional large jumps lol
@GApeachy wrote:
@Anonymous wrote:
4) Raised my credit scores by ~150 points
^^^^^ Luv it! ^^^^^ Congrats and Welcome, you're obviously NOT late....not after doing that.
@Anonymous those occassional large jumps are nice. Keeps the motivation level high. What about your sibling? Is he/she eager to start building? When I first started helping my ds and dil I was surprised how quickly their scores climbed and surprised at some of the limits they got, or cli's they received. It's pretty fun cuz I was doing for them the things I wished I had done for myself, including avoiding certain products. A lot of it is in the timing itself.
Good Luck!
@GApeachy
the sibling is the other poster lol
@Anonymous ahahahahaha! Lawdy, I need a nap.
I was about to ask you, what other poster? Let me get off this site pronto. I need to plug in and recharge.
Keep on keeping on
What are y'all using for your "Starting Score, Current Score, Goal Score"? Pick one out of the three? Or are you averaging them, or what?