Hi guys! Had some pretty poor choices in my college years and early 20's (I'm 24 now). Ready to start changing my credit and get back on the right track!
Starting Score: 560
It's been a long time coming. Time to take charge
2013 Credit Goals:
1. Pay & settle accounts in collection
2. Pay off a tax lien
3. Use credit card as a means to re-establish credit
4. Maintain positive payment history on all accounts
5. Re-finance car
6. Increase my FICO score to 660 by the end 2013
Still trying to get the items to show up in my siggy 
Just over 2 years ago I had an enormous amount of debt. My fiance and I were rebuilding our house and I was putting my children through college. One thing led to another and in a short amount of time I was left alone with more debt than my income. I filed bankruptcy and am almost at my 2 year mark. After much reading on this site, I came to the conclusion that I need to reduce my debt and not obtain any more, pay what bills i have on-time, and try to refi to lower my monthly mortgage pmt. Not sure if that is the right thing to do but need to get back on the right track.
I am focused on buying a house after a short sale, I need to wait 7 more months for the 3 yr wait after the short sale and need it improve my credit scores!!!!