Take the myFICO Fitness Challenge for 2012!

[tubesock]

Smileyng, I remember that feeling too. It's a good nervous though. Good luck

[beb86]

i hope to be in the 700's by this summer and closing on my first home by 2013

[Anonymous]

Thanks, tubesock!  It is a good nervous.  This weekend I start writing letters. 

[tubesock]

smileyng, I had great success with letters...Good luck!

[tictoc]

Signed up for this forum about a week or so and I can't stop reading! I'm loving it!

Hope to get a couple of paid charge off's and late payments off my CR's by the end of this year! 

[rickjames8692]

OK my goals for 2012

* get rid of applied bank and first premier bank cards before August

* Keep credit card balances under 50%

* get all my scores above 675 (currently 600-617)

* refi my car in August with my credit union

[Anonymous]

AT THE PRESENT TIME, I'M WORKING TO IMPROVE MY CREDIT.  SINCE I STARTED TO BUILD FROM SCRATCH IT'S TAKING ME A LITTLE LONGER THAN I THOUGHT.  BUT I WANT TO BE ABLE TO SAY BY THE END OF THIS YEAR THAT THE DEBT WILL MOSTLY PAID OFF.   I SURE THAT BY FOLLOWING MY PIERS AND THE INSIGHT THEY PROVIDE, THAT I WILL LEARN A THING OR TWO.   BUT ONE THING FOR SURE IS THAT I WILL BE IN A BETTER POSITION THAN I'M IN NOW.

[bosslady2011]

Hi All!!!

I tried to start this in September of 2011, but I had a lot of personal setbacks one being going through a divorce.  So I am back in 2012 ready to start and complete.  I have about 15 items (most of them charge-offs)  on my credit report that are old and are between $115 to $600.  My goal is to tackle one or two per month.  Possibly to settle and ask for removal of most.  I am not quite sure the best way to do this to increase my awful score.  At least by the end of 2012 I would like to have everything besides my current student loans paid and or removed.  The big items that I have is a charge off with Santander for $600, and then a Wells Fargo for $500.  Any suggestions about what I need to do about those.  I really would like to start with those items.

[MarineVietVet]

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@bosslady2011 wrote:

Hi All!!!

I tried to start this in September of 2011, but I had a lot of personal setbacks one being going through a divorce.  So I am back in 2012 ready to start and complete.  I have about 15 items (most of them charge-offs)  on my credit report that are old and are between $115 to $600.  My goal is to tackle one or two per month.  Possibly to settle and ask for removal of most.  I am not quite sure the best way to do this to increase my awful score.  At least by the end of 2012 I would like to have everything besides my current student loans paid and or removed.  The big items that I have is a charge off with Santander for $600, and then a Wells Fargo for $500.  Any suggestions about what I need to do about those.  I really would like to start with those items.

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Hi there.

A good place to start would be the Rebuilding Your Credit board. Just go there and begin a new thread and you'll get excellent advice, suggestions, and encouragement.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[mew]

2011 sum-up:

I didn't accomplish all the goals for 2011.  I was not able to reach 760 for all 3 credit scores, but I did make all of my payments on time (paid credit cards in full, so no interest at all for 2011) and I paid extra toward my student loans.  Although I had not planned it at the time I took the FICO fitness challenge in 2011, I also saved a 6 month emergency fund.

For 2012:

My goal scores for 2012 will be at least 760 for all 3 FICOs.  I would like to set the goal higher, but until the negative marks on my credit reports age off, I don't think the scores can really go any higher.  I will also continue to pay down student loans and build more savings with more of a focus on a down payment for a mortgage.

My current FICOs are TU 757;  EQ 745 ; EX 764 (January 2012)

Good luck to everyone