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Ok so it is a new year and like most of the time when a new year starts and through out the rest of the year Ialways make plans to get some of the debt that I have paid off. But somehow something always comes up to cause the plan not to work. This year I am really going to try to stick to the plan.
Goals for 2013:
1. Pay off some little loans that I have so that I will have more money to put toward the debt that I currently have.
2. Pay off at least one credit card.
3. Stop putting money on the other cards that I have so that I can get those paid off as quick as possible.
4. I would like to start saving some money so that if an emergency comes up then I will have some money to help play it.
5. The biggest and the hardest for me is to start saving the money so that when Christmas comes I will have the money to buy the gifts and not have to put them on credit cards and this goes for birthday presents throughtout the year also.
6. Improve credit score so that in the next few years I will have a high enough credit score to get a house.
I know these are a lot of goals but I think that I can accomplish at least a couple of them and make some progress on all of them.
Hi all,
Goal is a 720 credit score and a jumbo loan (something over 414,000). I just almost paid off credit card balances of 12-14.000 and got my car payments to less than ten months to go on a three year. I am at 682-686 on current scores I am aware of.
Am I there? Will the credit scores change quickly?
I am also looking to refinance a 5.0 percent loan and wonder if anyone has done so with Discover?
Thanks,
broke again
im really not understanding how to post my scores on the fico fitness challenge can someone explain how to do that
nvm took me a moment lol
After finding myself in 2009 with a 500-ish credit score I worked to improve it and got it up to mid to high 600s last year, yay! Then in a time of personal upheaval (and, let's be honest, absolute stupidity), I racked up some pretty decent credit card debt and was 30 days late on a car payment, and BAM back to low 600s with me, plus that knocked my husband's score from the low-mid 700s down to the high 600s.
Here's where I stand at the end of 2012:
Loans:
Wells Fargo Mortgage - $172k
Security Service FCU Car Loan - $8.4k, 1 30-day late in 11/12
Cards (limit/balance) (total: $47,400/$13,547)
Chase Mileage Plus Visa - $16,500/$0
Commerce Bank Visa - $12,500/$8,889
Chase Freedom Visa - $6,000/ $3,730
Chase Coldwater Creek Visa - $5,000/$0
Nordstrom Store Card - $4,000/$200
Kohls Store Card - $1,000/$0
Capitol One - $750/$292 - I PIF each month but son in college uses this one for expenses so it never stays at 0 for long
Capitol One - $750/0
Just closed an HSBC card w/0 balance that dropped me from $950 credit limit to $305 credit limit due to the late payment, they can cram it.
Bad Things On My Credit
Equidata (medical) - $252 in collections
Convergent (Sprint, don't know if this is really mine) - $140 in collections
Receivables Management (medical) - $137 in collections
Verizon Wireless (surprise! thanks to my daughter) - $126 P&L showing 0 balance, no CA reporting on it tho
Plus one PIF collection
My goals for 2013:
Hello Everyone!! I've been reading the myFico forum for sometime so let me start by thanking every contributor for sharing their knowledge and credit related experiences, they've helped a great deal. Here's where I've been and where I will be:
In 2011/2012
2013 Goals
Looking to get 700 with all three bureaus. Waiting til opening hours with myfico to confirm my identity to get all 3, starting at 671 experian
I am taking the challenge for so many reasons. I come from a family who did not take care of thier credit. Now that I am out on my own I am working to fix my mistakes and build a solid financial future. As a college student I racked up $20,000 in student loans and really abused my first credit card. That got cancelled and paid off for less than what was owed.
Fastforward to today. I am slowly paying off my student loans, making on time payments and have one secured credit card with a limit of $300. I am trying to live below my means. My goal for this year is to reduce my overall debt and hopefull see my secured cc graduate and increase the cc limit.
But by far the biggest goal for this year is to remain informed. For me that means checking my score, report and checking every month. What you don't know can't hurt you, haha, yea right!
Hello 2013 Challengers!
This year I want to figure out why my signature does not display the logo properly - I cut and pasted and only typed over the 800s. Can anyone tell me what's wrong?
Financial goals:
Good luck everyone...
@Anonymous wrote:Ok so it is a new year and like most of the time when a new year starts and through out the rest of the year Ialways make plans to get some of the debt that I have paid off. But somehow something always comes up to cause the plan not to work. This year I am really going to try to stick to the plan.
Goals for 2013:
1. Pay off some little loans that I have so that I will have more money to put toward the debt that I currently have.
2. Pay off at least one credit card.
3. Stop putting money on the other cards that I have so that I can get those paid off as quick as possible.
4. I would like to start saving some money so that if an emergency comes up then I will have some money to help play it.
5. The biggest and the hardest for me is to start saving the money so that when Christmas comes I will have the money to buy the gifts and not have to put them on credit cards and this goes for birthday presents throughtout the year also.
6. Improve credit score so that in the next few years I will have a high enough credit score to get a house.
I know these are a lot of goals but I think that I can accomplish at least a couple of them and make some progress on all of them.
Here's a tip for presents but be very careful with this advice. I don't want you to spend willy-nilly. I keep a "gift bucket" when I fond things dirt cheap I buy them and save then for birthdays or other gift giving occasions. For example, I just found some really nice perfume and candle gift sets on sale for 75% off, leftovers from the holiday. I got them for $2.50 or less. These will be Mother's day gifts for family and friends. I do this all year long when I find a really nice gift item for next to nothing, I buy it and put it in my box to be gifted later.