Take the myFICO Fitness Challenge for 2013!

[ahaynes112]

Hey ALl,

The name is AJ.  I have been on this site before but never really took it seriously.  In fact by the look of my scores you can tell I have never really took credit seriously (My Mistake).  I have always found myself looking through these forums as a non-member to gain alittle insight but always had my own questions.

I am trying to improve my financial situation.  However, I have never had to really use credit or give it a second look.  I dont apply for credit cards and infact have only really had 2 car loans (which I have some questions regarding reporting).  And am only a joint on my wifes CapOne card and Target Credit card.  Both report fine with on time payments.  My issues are I have had a few collections showing on my account from things I never even recall.  I have tried the online disputes but to no avail.  My goal here is to improve my financial outlook, and to start moving in the right direction.

I plan to be pretty active.  So if anyone has any questions for me or is looking for more.  Let me know.

Thanks,

AJ 

[ButterflyT]

Hello, I am new here and I am not sure I am doing this right.

I am also not able to figure out how to properly set up my profile..I see all these people posting with their different credit scores listed and the different types of credit cards they have...how do I do all that?

I know...sorry apparently I am as clueless about this site as I am about my credit...lol

Help...

[ButterflyT]

Good luck!!! I have the same goal!!! Desperately want to buy a house!!

[doingmybest]

Hi!  I have done some casual reading on the board in the past 6 months, but now I am ready to get serious.  Hubby and I would like to purchase a home in 2 years so we definitely need to improve our credit scores.

[Charlie30]

Hi doingmybest,

You need to aim for atleast a minimum of 640-650 FICO to qualify for a mortgage. Not the 610 goal you have mentioned. But given your current score and that you still have another 2 years before you buy, it definitely looks acheivable.

[MJFinanceFreedom]

Goal for 2013:

- Pay off CCs total debt: $12500

- Improve Credit Score to 720 by September

- Upgrade my Credit Union Card and cancel 2 of the lower limit cards

- Pay off car by the end of the year

- By end of the year my student loan will be my only loan

[mrscalletano]

Hello all,

My goal for 2013 is fix my horrible credit. I have no idea how I let it get like this.

My current score is 480 (Equifax). I would like to get it at least up to 600 by November or at the end of the year.  

i need all the advice I can get. When I look at my credit report is little amounts here and there and alot of inquiries.  How can I remove inquiries? 

Thank you everyone and I hoep I can do this with your help! I know is not impossible! 

<hr><img align="left" border="0" width="50" height="50" src="http://ficoforums.myfico.com/html/assets/challenge.png"><font size="2"><font size="1">Starting Score:</font> <b>480</b><br><font size="1">Current Score:</font> <b>480</b><br><font size="1">Goal Score:</font> <b>600 for now</b></font><br><br><font size="1"><a href="http://goo.gl/0O9JU" target="_blank">Take the myFICO Fitness Challenge</a></font></code>

[doingmybest]

Charlie30 -- the 610 is my goal for 1 Jan.  I figured if I broke the goal down into chunks, it might make it seem more manageable

Goal for mid 2015 is 720+ and then we will buy a house (we have some saving to do as well).

Thanks for the info!

[Pandora1020]

Question are your inquiries hard or soft inquiries? If they are hard you can write a letter to each company requesting to remove the inqury but make sure you send it certified mail.

[mrscalletano]

what do you call hard and soft inquiries?