Take the myFICO Fitness Challenge 2021!

[Boxermom1]

Hi all.  Before I go into introductory mode, I need to know if I am doing this right.  I got lost at the copy and paste in my signature box, as I have no idea what or where that is.  I definitely want to join this challenge

[Anonymous]

I'm also interested in joining the challenge,  but am unsure as to what happens after updating my sig.

Are there steps to follow to address the issues on our reports? Please help!

Signed, At A Loss 🤷🏾‍♀️

[Anonymous]

New here and ready to get these score up .. trying to learn the abreviations and way to do this the right way. 

Joined NFCU both personal and Business trying to get their CL but no luck, will see the strategy here in the forum. I have the rewards card but they wont give me a LOC. Hope to learn all I can here

EQ: 651

TR: 657

EX: 616

[Boxermom1]

Have I gotten in yet?  So confusing!

[Anonymous]

Hi, Looking forward to building my score

[OldLadyStartingOver]

Hello to you all...

I'm new and this is my very first post.  Long story short....filed BK7 5/29/21 and according to my attorney I will receive a DC 8/29/21.  I'm scared, excited, worried, happy, and overwhelmed.  Been in and out of these forums for several years.  Initially stumbled into it when I was building my scores around a decade ago...I did reach my goal.  However...

Began going through these forums again April this year when I first spoke to a BK attorney.  My anxiety is through the roof as I type this.  Reading everything I've read has been soooooo overwhelming...I read, feel nauseated, put the tablet down and then a few hours later I pick it up again.....This is where I am..I've burned:

Cap1

Cap1 Auto

Amex/Delta Gold😭

Amex/Delta Plat😭

Macys

JCP

Chase

Discover😭😭

I currently have a Self Lender Loan and a Secured Loan with NFCU.  I need 3 CC trade lines.

My goal is to get a USDA mortgage in 2024 (3yrs after BK7 DC).  I'm wanting 750-801 for the lowest possible interest rate.  This will be my first home purchase.  I'm late into the game being my age but I've always been terrified to file for a BK.  Here I am, looking for help, guidance and to live vicariously through those of you that have successfully gone through this ahead of me.

I apologize if I'm in the wrong place with my post.  I actually had a hard time trying to figure out HOW to make a post😩.

[OldLadyStartingOver]

DISCHARGED YESTERDAY!  Yayyyy Me...

[800scoreplease]

Hi,

I know it's late but I really am really excited to join all of you. My goal is to be free of student loan and credit card debt by Dec 2022. I will still have my mortgage and I want to by a new car in Dec 2022 also. My pay off plan is written down and I have been following it all year☺️. Barring no financial hiccups I should be able to accomplish this...fingers crossed.

[Space_Daddy]

I would like to get my score to 720 and get credit limit increases on 4 of my cards.

[Anonymous]

Then just reply to this topic, telling us a little about your financial situation, your goals, and how you plan to achieve them during the coming year.

Just actually found this site. Have been working on my credit for about a year now and kicked it into high speed ( if you call it that lol) after talking to the VA mortgage specialist as I want to buy a house in the next 2 years. So the current goals is to get the FICO2 score, which they use, to a 640. I am working to get my credit usuage down below 30%, which is over 3 cards, the other 9 all have 0 balances, but I think I need to use them for simple purchases and pay off as soon as they hit so I can hopefully get higher CL as they all seem low. No gardening for the next year, which will get my inquiries down to 12, with another  4 falling off in January 2023 from when I went looking for a car at one dealership, that was a mistake I see now. Have 5 collections, 2 of which I am actively paying on at the moment.