credit-goals

 

New to the Live Richer Challenge: Credit Edition? Learn more about it HERE.

WEEK 1: Credit Knowledge

This Week’s Goal: To learn what credit is, how to get your credit report for free, and how areas of your credit report impact your credit score.

Day 1: Credit Goals

Today’s Easy Financial Task: Identify, write down, and share your credit goals.

How to rock this task:

  • List up to two specific goals for your credit
  • Write down your goal(s)
  • Share them (tell me, tell a friend, or share your goals in the Dream Catcher Facebook Group)

Welcome to the the first week of the Challenge. Woot! Woot!

Our mission this week is to tackle the fundamentals of credit including what’s on your credit report and how your credit report is used to calculate your credit score. A solid understanding of these basics is what will help you achieve long-term credit score growth and maintenance.

Are you excited?! I am!

On the first day of each Live Richer Challenge, we tackle our goals. The Credit Edition is no different. Let’s get started.

I want you to identify two specific credit goals you want to work on during this Challenge, and what goals you want to continue working on after this Challenge comes to a close.

Know this: your credit score may not improve by leaps and bounds overnight, or within the three weeks of this Challenge. Buuuuut, making a commitment to do what’s necessary to improve your credit long-term will produce the results you desire.

Take me for example. I was able to increase my credit score by over 200 points (from 547 to 750) in a year and a half. It’s possible folks!

Make sure you write down when and how you plan to achieve your credit goals.

Not sure how to make your credit goal(s) happen? Don’t worry!

Next week, I’ll be giving you tasks to work on that will help you clean up your credit report and increase your credit score. You can always update your “how” as we move forward with the Challenge.

Next, write down your goals and post them somewhere. I created a free goal sheet for you. Get it HERE.

Don’t forget, you need to pick an accountability partner(s).

I suggest picking a friend or organizing a group of people who want to do the Challenge with you, so you’re both on the same page.

You can also head into the Dream Catcher Facebook Group to find other Dream Catchers who are working through the Challenge as well.

Before you leave, can you do me a favor? I want to make sure every woman that needs help with her finances receives it…for free.  Here’s how you can help. Create and share your LRC: Credit Edition picture on your social media pages. Especially Facebook and Instagram.

Here’s mine…

LRC Profile Pic

Let everyone know that you are a part of a movement! Doing so will encourage someone else to join. 

  1. Grab and download and your favorite profile picture directly from Facebook. This will guarantee the perfect fit inside the box.
  2. Create your picture, here.  Link:  www.lrcprofilepic.com
  3. Share it on your social media platforms, especially Facebook and Instagram
  4. Tag me, @TheBudgetnista & @Magnify_Money and use hashtags #LiveRicherCredit

NOTE: Works best when created on your computer. Try that if it doesn’t work on your phone.

Today I will write down and share my credit goals. Day 1: #Lrccredit Click To Tweet

WHAT ARE YOUR GOALS?! Share in the comments below!

You can also reach out to me here:

Twitter: @thebudgetnista

Instagram: @thebudgetnista

Facebook: The Budgetnista

Private Forum: Dream Catchers : LIVE RICHER

 

I can’t wait to hear what you’ll be working on!

Live richer,

Tiffany

P.S. Don’t forget to get your free Live Richer Challenge: Credit Edition Starter Kit. Get it here
P.P.S. Here’s a copy of the Challenge Calendar. It’s a fun way to keep track of your progress.

lrcccalendar

*** Need Help? Feeling Overwhelmed? Want to work with someone one-on-one to improve your credit? Netiva “The Frugal CrediTnista” is offering her renowned, full credit improvement services & consultations at a special discounted price just for Dream Catchers! Learn more and get the help you need, HERE. ***

Want to work through the Live Richer Challenge: Credit Edition in a workbook? It’s part of a bestselling series and has already hit #1 on Amazon! Get your copy below.

 

My Lisa Rule: I have 4 sisters and Lisa is the baby (well she’s not a baby anymore). Of all of my sisters, I’m the most protective over her. Before I share any product or service with you, it must pass my Lisa Rule.

What’s the Lisa Rule? If I would not advise Lisa to use a product or service, I won’t advise you to either. YOU are my Lisas. I feel protective over you and your financial journey.

The products and services I recommend pass my Lisa Rule. Yes, I may be an affiliate and earn a commission off of referrals, but I would not recommend a product or service that I didn’t believe was helpful and useful.

—-

The Challenge is sponsored by

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  • Karima Abdul-Salaam

    My Credit Goals:
    1. Transfer my interest cc balances to a no interest cc
    2. Pay off cc balance from the no interest cc before the no interest promotion expires
    3. Increase credit score to be 800 and above (140 pts)

  • LaTrisha Blunt

    My Credit Goals:
    1. Pay off my 2 current credit cards by June
    2. Begin paying delinquent accounts that are showing on my credit report
    3. Increase credit score 100 points by Dec. 1, 2017

  • Janel Lewis

    Pay off delinquent accounts and raise my FICO score

  • Natashia Shannon

    1.Pay off all credit card debt by July 1, 2017
    2. Increase credit score by 100 points by the end of the year
    3. Increase my overall understanding of credit and share the knowledge.

  • LA

    1. Get my credit cards under 25% util 2. All auto loan and sl pymts on time 3. Pay off old utilities 4. Increase fico 100 pts

  • Sheila Turner

    1. Pay down debt
    2. Consistently pay bills on time
    3. Increase my savings

  • Andrianna

    1. Pay off $1,500 in credit card debt in the next 3 months
    2. Pay off medical bills on credit report
    3. Increase score by at least 120 points over the next year

  • Saidhah Allen

    My credit goals

    1. Learn how to use credit wisely so it can help me instead of hurt me.

    2. Create a payment plan for my student loan so I can understand the best way to pay it off.

    3. Improve my credit score.

    4. Get rid of my fear of credit.

  • Sharnicka Rena Robertson River

    Increase score by 100 points by December 31, 2017.
    Have emergency fund 3x expenses by December 31,2017.
    Continue saving penny challenge for children and 52 week challenge for me. By end of July.

  • Virginia Johnson

    1. Pay off $7k in credit card debt by June 2017, then keep utilization under 25%; 2. Raise Fico score to the 700 club by August 2017; 3. Purchase home by December 2017.

  • Valerie Jackson

    1. Pay down debt/student loans
    2. SAVE!!
    3. Purchase a home for my 3 daughters!!

  • Simone Godsprincess

    Increase credit score
    Reduce student loan debt
    Eliminate old debt on credit report

  • Adrian Knight

    Goals
    1. Emergency Fund
    2. Pay down/or off Debt
    3. Improve score by 60-100 points
    all by Dec. 31

  • Zuleica Gerardo

    Goals:
    1) build my credit with a responsible use of a credit card
    2) increase credit score by 100 points by Dec 31
    3) buy a house within 7 years!

  • Diama koura

    Increase credit score
    Pay off 2credits cards off
    Maintain healthy spending Habits.

  • Stephanie Drake

    Immediate goals:
    Understand credit better;
    Pay off debt especially student loans
    Stay debt free
    Get credit score into the 800’s
    Save Save Save
    Long term goals: Pay cash for EVERYTHING

  • Alison Delfish-Wade

    My credit goals:
    1. Pay off delinquent accounts by Aug. 2017
    2. Improve credit score by Dec. 2017
    3. Save $1500 by Dec. 2017
    4. Pay current credit card debt on time every month

  • Janice L High

    1)Review my credit report and start paying off any small amounts and work my way to the larger amounts and have this complete by August 2017.
    2) Gain a better understanding as to how the credit scoring system works and how my bill paying and spending habits affect my credit score. Complete by May 2017
    3) Increase my credit score by 150 points by December 2017

  • Rachel

    Goals: pay off credit card accounts and remove outstanding debt from my credit report

    I want to increase my savings to buy a house

  • Imma Uzoma

    Goals
    1. Increase credit score 100 pts by Dec. 31st 2017
    2. Save 2x rent in the next 6 months
    3. Pay off credit/ card debt in next 3 months
    4. Learn more about credit and how to improve my credit.

  • Nicollette Thetford-Miles

    1) Increase credit score by 100 points by December, 2017
    2) Save $1000 emergency fund by March, 2017
    3) Pay $1000 extra on car payments by December, 2017

  • Ronyl Drake

    1. improve my credit score
    2. pay off old accounts in my credit report
    3. learn to budget better
    4. buy a house

  • 1. Raise credit score by 50 – 100 points by Dec 2017
    2. Establish plan to pay off outstanding debts
    3. Continue to work towards EXCELLENT credit rating
    3. Buy a house by summer 2019

  • Jeanene K Samuels

    These are my current credit goals:
    1. Pay off all my credit cards plus pay open credit line with figurehut; and start to use under 30% of my credit
    2. Finish paying off one student loan that is at $663 currently
    3. Increase my credit by at least 150 points by Dec. 31, 2017.

  • Demetria Echeji

    My credit goals:
    1. Pay off my debt, starting with smaller ones first and working my way to larger ones by January 30, 2018.
    2. Obtain knowledge necessary to maintain debt-free lifestyle
    3. Obtain secured credit card to reestablish credit

  • Monica Cornelius

    My credit goals for 2017:

    1. I will increase my credit score from 645 to 700 by June 30, 2017.

    2. I will lower my Revolving Utilization percentage from 88% to 30% by December 31, 2017.

    3. I will learn to maintain my credit through education, plan development and execution by participating in the Live Richer Challenge: Credit Edition

  • Denise Chandler

    These are my current goals
    #1 Pay off current credit cards by July 2017
    #2 Boost my credit score by 100 points by October 2017
    #3 Save 5k by January 2018

  • Crystal Douglas

    1. Increase my credit score by 150 points by December 2017
    2. Pay my credit cards off and maintain my credit card usage to 30% or less by April 2017
    3. Start saving toward 6 month emergency funds via an interest bearing account by December 2017

  • Susan Holloway

    1.Pay off credit cards by March 2018
    How: Start with cards with high APR – double on 1 card and min. on others until card 1 is paid off and do the same for each card
    2. Raise credit score from 657 to 750
    3. I have 3 student loans that are in deferment, pay on principle while in deferment
    4. Purchase 3/4bdr 2.5bth flat house by summer 2019

  • Haile

    These are my goals.
    1. Raise my credit score by 100 points
    2. Save 10k by the end of the year.
    3. Be ready to make offer on new home by 2018

  • Seva_B

    1. Pay down credit cards by $945 by July 2017 to go from 34% utilization rate to under 30%.
    2. After the last payment made in March 2017 of $153 for my daughter’s braces, start applying that payment to my Delta American Express card to continue snowball payment method.
    3. Minimize the effect of the only delinquency that is suppressing my credit score – Work with mortgage company and my lawyer to settle, by Deed in Lieu or some other method, the house that I had to walk away from after my divorce so that new delinquent payments can stop appearing on my credit report.

  • Susan Holloway

    1.Pay off credit cards by March 2018
    How: Start with cards with high APR – double on 1 card and min. on others until card 1 is paid off and do the same for each card
    2. Raise credit score from 657 to 750
    3. I have 3 student loans that are in deferment, pay on principle while in deferment
    4. Purchase 3/4bdr 2.5bth flat house by summer 2019

  • Tennia Hill

    My credit goals for 2017:

    1. Pay off current credit cards by April 30, 2017.
    2. Establish plan to increase credit score 100 points by December, 2017.
    3. Develop plan to increase emergency fund.
    4. Gain knowledge to live a debt-free lifestyle.

  • shon~keya

    My 3 credit goals are:

    1. Increase my score to 740 but July 1st 2017
    2. Remove medical collections by March 2017
    3. Settle a credit judgement for $1000s less than its current price and get it removed from my report.

  • Jaye Johnson

    My short term goal for the 2017 LRC is to file disputes for incorrect info on my credit reports.
    Beyond the LRC, I’m seeking to:
    1. Increase my credit score by 150-175 points by 12/31/17
    2. Decrease my cc utilization % from 85% to 9% by 12/31/17

  • Juanzel Cardoza Felder

    Hello Everyone,
    My two goals are:
    1. Increase credit score
    2. Save money

  • Tonya

    Hello everyone,

    My credit goals for 2017 are:
    1. Remove any erroneous information on credit and settle small debts by 3/15/17
    2. Reduce credit card utilization to 10% by 5/1/17
    3. Increase my credit score by 150 points by 12/31/17
    4. Save $7000 for dream trip by 12/31/17

    My two goals thus far for 2018 are:
    5. Save $20,000 for Emergency Fund by 6/1/18
    6. Get into the 800 credit score club by 7/1/18

  • Elisabeth N

    My two LRC goals are: 1) Increase my credit score by 100 points by November 23, 2017 (My birthday). 2) Remove the negative credit lines from Navient on my credit report.

  • Chantal Jones

    1. I will increase my credit score by 100 points by January 2018
    2. Reduce credit utilization on Chase CC to 50% by Sept 2017
    3. Eliminate my car payments by September 2017 by paying an extra $200 mthly!

  • Danyell

    1increase my score by 200 points
    2 save 3.5% to put down on our first home by summertime

  • Nyoka Michelle

    My goals are:
    1. To become a member of the 800 club
    2. Have an emergency fund with $5k-$10k
    3. Purchase a home

  • Eudel

    My goals for 2017 are the following:
    1) To increase my credit score.
    2) To pay down on credit cards.
    3) To save for my vacation.

  • Linda L

    1. My biggest goal is to actually save instead of getting by paycheck to paycheck.
    2. Increase credit score by a minimum of 100 points.
    3. Decrease credit card utilization to under 30% (less would be better but this would make happy.)

  • Avanti

    My goals…
    1. Increase credit score at least 60 points;
    2. Incorporate savings into my budget; and
    3. Decrease utilization to 20-25%.

  • Kay Davis

    My goals are the following:
    1. Increase my credit score
    2. Pay off my Student Loans

  • Zakiyyah Singleton

    I’m not sure clear on the ins and outs of how credit works to set realistic dates for my goals. So for now 1. Increase my credit score significantly 2. Purchase the home i have my sights on 3. Have a clear understanding of how credit works and how to work it to my advantage

  • Latoya Johnson

    My goals are
    1. A credit score of 700 by July
    2. Erase all collections by April
    3.Save $1000 by December

  • sing1412

    Happy New Year my fellow Dream catchers!!! 🙂

    My credit goals for this year are:
    1) Understand by credit report and how it is affecting my daily life.
    2) Work to increase my credit score 100 points by December 31, 2017.
    3) PAY MY BILLS ON TIME!!!!!!!!!!!

  • Andria Cooke

    My goals are to 1. increase my credit score from poor to excellent and 2. to pay off my loan debt and reduce my credit card utilization percentage.

  • Fay Henry Reddick

    My Goals:
    1. Increase my credit score from Fair to Good
    2. Increase my savings by utilizing various challenges
    3. Decrease debt including credit card utilization

  • Shawndolyn Hampton

    1. Increase credit score to 750-800
    2. Remove any accounts that are old and should no longer be there, regardless of whether or not they are effecting my score.
    3. Decrease debt to credit ratio by paying off debt, not maxing out my credit limit, and keep it that way!
    4. Get DFAS overpayment removed from my credit report, especially since it has been there for way longer than legally allowed.

  • Inez Taylor

    My Goals:
    1. Identify the debts that are on my credit report and start paying them off, starting with low to greatest.
    2. Raise my credit by 100 by the end of 2017
    3. Come up with a budget plan

  • Rosa Williams

    My 2017 Goals:
    1. Become more knowledgeable on what affects my credit and how to maintain
    2. Paying off debt to raise my score
    3. Raise my score by 100 points by the end of 2017.

  • LaLa LaKeisha Troy

    I have seen drastic improvement in my overall finances and credit score since completing the challenge last year. This year I am looking to:
    1. Join the 700 Club
    2. Remove anything that doesn’t belong.
    3. Gain knowledge and insight to maintain financial health.

  • CP Prince

    My credit goals are:
    1. Increase my credit score by at least 100 points by December 31, 2017
    2. Save at least $2,000 in an emergency fund
    3. Purchase a home by Thanksgiving 2017

  • Sharon Stroye

    My credit goals are:
    1. Increase my credit score by 100 points by December 2017.
    2. Remove and/or settle all derogatory items on my credit report.
    3. Pay off credit card debt in an effective, efficient, and timely manner.

  • Frann

    I will increase my score by 100 and remove anything that should not be on my report.

  • Linda Inquisitive

    Goals for 2017
    1. Raise my credit score to the 800 Club.
    2. I will pay off all my credit card card debt.
    3. I will increase my savings by utilizing different methods.

  • Sherrett Meme Stanley

    My Credit Goals are:
    1. Increase my credit score from poor to EXCELLENT. By December 2017
    2. To eliminate bills that are not a need. EX: Furniture & Loans Accounts
    3. Begin the steps to purchasing my first home
    4. Save a $1000 in Emergency Fund Saving
    5. Pay ALL my BILLS on TIME…..BUDGET BETTER
    6. Purchase my daughter a car by April 2017

  • Toyia

    My credit goals:
    1: Pay off all y credit cards by the end of the year of 2017.
    2:increase my credit score

  • Lyndsey H.

    My Credit Goals:
    Lower interst rate on car note
    Pay off credit card debt
    Pay off small debts
    Raise credit score
    Pay current student loan off

  • Empowered ToLive

    2017 Goal is to:
    1. Raise credit score to at least 750.
    2. Pay off credit card & furniture bill.
    3. Get released from students loans.
    4. Start saving

  • Nikki

    2017 Goal is to :
    1.Increase my Credit score to 700 before I move in May 2017
    2. Pay off my 2 of 3 credit cards by May 2017
    3. Lease my apartment
    4. Lease to buy my car eventually
    5.Save even more
    6. Continue to save toward my emergency money
    7. Start paying the interest on my student loans

  • Wanda

    2017 Live Richer Challenge Goals:
    1. Pay down credit cards to below 50% of LOC
    2. Decrease medical bills by at least 50%
    3. Raise credit score
    4. Start and maintain a budget plan.

  • Tonya Brooks

    My Credit Goals
    1. Join the 700’s club by December 2017
    2. Pay off all collections by October 2017
    3. Dispute some accounts immediately

  • Rho

    1. Reduce my bank credit card utilization below 30%
    2. Pay off 2 store credit cards

    3. Pay off my furniture balance by March 2017
    4. Increase my credit score by at least 70 points
    5. Learn to reduce or stop impulse buying habits

  • Katie Ward

    1. To up my credit score from 580 to 630 by December 2017
    2. To get off the check advance merry go round
    3.To have a zero balance on all 4 of the credit cards

  • Amanda Mauldin

    1. To establish a budget and stick to it
    2. Pay off my store credit card
    3. Establish a savings account
    4. Stop living paycheck to paycheck/ make better money choices

  • Ally

    2017 Credit Goals
    1. Significantly increase my credit score from 650 back up to 800+.
    2. Reduce debt ratio to 20% or lower.
    3. Pay off at least 1 of the 3 credit card balances before Christmas. The balances are all high, so I have to start w/ the lowest (the lesser of the 3 evils).
    4. Continue saving but add more once my debt is paid off.
    5. To not give up when difficult times hit (an unexpected bill, etc.). I’m going to stay the course & finish my goals. “Plan the work & work the plan!”

  • Yvonne

    1. To pay off all my credit by December 2017
    2. Save 10,000 by December 2017
    3. Be less dependent on credit and more on saving

  • Joy Jackson

    1. Improve my score enough to refinance to lower my payment.
    2. Increase my streams of income to pay off my car and last student loan

  • Josephine Pride

    1. Pay off small credit card debt
    2. Create new streams of income

  • Cassandra T

    My goals for this challenge and 2017 in general are to:
    1. Make it into the 800 club
    2. Pay off the lowest student loan amount I have
    3. Continue to save through side hustles/extra work to be able to pay off debts while being able to travel, etc.
    4. Start investing/purchase my first stock(s)

  • Monique Grant

    Goal 1). To commit 100% to my goals whether anyone else gets involved or not. Goal 2). Increase my credit score by over 100 points by January 2018. Goal 3). Stick to my No spending every other month challenge until December 2017 to increase my savings. Goal 4). Get a Secured Credit card by June 2017 with a $300-500 limit with cash back benefits.

  • Teena

    I’m starting small because these areas will make the most impact on my credit. My goals for 2017 for my credit are:
    1 – Raise my credit score from 452 by paying all my bills on time
    2 – Pay off all my store cards and line of credit by Dec 2017
    3 – Use my debt card less and cash more when making non-essential purchases – this will help me really decide whether it’s worth buying

  • Tab

    My 2017 financial goals regarding my credit are;
    1. To become and remain current with mortgage and car payments and continue paying other bills on time
    2. Pay off 2 credit cards and one personal (high interest) loan
    3. Increase and maintain my credit score to put myself in a position to purchase a home outside of the city; better school district for high school for my son who’s currently in 6th grade. My goal is to purchase and move while he is in 8th grade giving me a year and a half to get things in order.

  • Michelle D. McRae

    My goals are:

    1. Raise my score to at least 200 points which will have me at around 740.

    2. Pay off small debt in the process and work towards purchasing my first home.

  • Yodit

    To increase my credit score by 100 points in the next 8 months, I am going to do this 3 things.

    1. I have student loans that are in deferment, the goal is to pay half of it off by the end of 2017. I will start paying on principle while in deferment this Feb.
    2. Keep Credit Card Utilization the way it is at less than 10%.
    3. I am an identity theft victim and currently i am in a process of reporting/disputing negative and unauthorized inquiries.
    .

  • Theresa Sweet-t Terrell

    My goals for this 2017 challenge are:
    1. Reestablish my credit after bankruptcy/raise my score.

    2. Pay off medical bills and student loan.

    3. Start and maintain a budget.

    4. Establish a savings account.

    **Continue applying for better paying jobs!

  • Yvonne Williams

    My goal is to increase my credit score to good or excellent in 2017 by lowering my credit utilization to 10% and maintain that level of utilization or lower consistently. I would also like to qualify for lower interest rates for business loan in the future.

  • Chandra

    My 2017 credit goals :
    1) Increase my credit score by 75 points by August 2017
    2) Pay off store credit cards by March 2017 & decrease credit cards by 50% by December 2017
    3) Pay off car loan by December 2017

  • Charmaine Glover

    Hello LCR, Happy New Year I am looking forward in starting my new year with so many amazing tasks. I actually figured my goal set by looking at some posts from my other sisters hoping that they don’t mind it truely gave me the words and the strength to move on.
    1. Yes I will increase my credit score
    2. I would like to see my credit score go from a 650 to 700 or more
    3. Pay off at least one of my 4 credit cards down to zero….such a good feeling!
    4. And any extra money that I have once different balance come to zero I will save.
    5. I want to be obidient with this task for 2017

    By the way I could not post a picture, tried to pull it from Fb but no luck!

  • Shukita

    My credit goals for 2017:
    1. Increase my credit score by 125-150 points by Dec. 2017
    2. Pay down all open credit card accounts by March 2017 and decrease credit utilization to no more than 15%
    3. Pay off all delinquent accounts by Dec. 2017
    4. Increase credit score in order to refinance car and lessen monthly payments by Dec. 2017
    5. Save in order to purchase home by Jan. 2018

  • Bianca

    My goals are:
    1. To raise my score at least 50 pts, from 670 to 720+ by 7/1/17.
    2. To lower my utilization rate from 35% to less than 10% by 10/1/17.
    3. To be totally debt free by the end of the year.

  • JB Sicard

    2017 Credit Goals

    *Pay off my last credit card-(try to pay two payments a month)
    *dispute/negotiate charges off credit report-(pull credit report)
    *start paying on student loans-(by March or April)
    *start paying bills on time
    *raise my credit score to the 700 range

  • Erica P. Hall

    Increase credit score by 20-70 points by December 31.
    Check credit score and monitor account status quarterly.
    Pay off my taxes before April 30.
    Save an extra $100/pay period in both savings accounts.
    Minimize unnecessary spending on ‘things’ that I don’t really need.
    Stop procrastinating on paying my bills. Pay them at least 2 days earlier than the due date.

  • Shirley Baylis

    My credit goals are to increase my score by 200 points by the end of 2017. I will work on paying off old debt and pay down credit card debt for two cards that have for travel.

  • Lyssa

    2017 Goals

    1. Pay All Cards On Time: No late payments for 12 months
    2. Obtain a 750-800 credit score by 12/2018
    3. Bring Utilization Score to 20% on Credit Card Accounts

  • Mary Cornish

    My goal for 2017 is to pay off my credit cards and save more money. I will also make sure I stay on top of my credit scores and to be more conscience of what I’m spending my money on.

  • Mitzi Winston

    My credit goals for 2017 are to:
    1. Pay off two debts on my credit

    2. Reduce debt ratio to 20% or lower
    3. Increase credit score by 20 points

  • Cheryl Thomas Hawkins

    2017 Credit Goals
    1. Pay off 4 of 7 credit cards
    2. Reduce remaining balances below 20%
    3. Increase credit score by 200 pts

  • Rita Love

    My goals are:
    1) Raise my score to the 800 club
    2) Bring my utilization down to 20%
    3) Deal with medical debt
    4) Create more streams of income

  • Marquitta Elliott

    Happy New year everyone!!!
    My goals will be to:
    Get my credit score up by at least 100points.
    Pay off my credit card by March of his year

  • Shanelle M

    My Goals for 2017
    1. Pay off more than half of my debts (Student loans, car note and outstanding balances)
    2. Save over $2000 by the end of the year.
    3.Pay bills on time
    4. Increase my credit score
    5.Maintain a budget

  • Eliza Williams

    My credit goals
    1. To increase my credit score by 50 to 100 points.
    2. To have an emergency savings.
    3. To pay off all my credit cards.

  • Vivian Mitchell

    My Credit Goals
    1. Increase credit score by 100 points
    2. Create a monthly budget
    3. Rebuild savings account and create an emergency fund
    4. Find a way to pay student loan come February
    5. Pay off medical bills

  • Khadya N Jean-paul

    1. Pay off my student loan
    2.Pay off store credit cards. Kohls and rooms to go
    3. Increase my score by 100 points

  • idesign75

    1. Establish plan to pay off credit card accounts and remove outstanding debt from my credit report
    2. Raise credit score by 100 points by year end.

  • LeRhonda Greats

    1. Discover the true balance of my student loans and all parent plus loans that i have cosigned for with my 2 children.
    2. Begin a rigorous and focused repayment plan starting January 5 using the debt snowball method.
    3. Increase my credit score by 150 by December 15, 2017

  • Maisha DeCruz

    My 2017 Goals:
    1. Pay off 3 of 6 credit cards and 2 loans
    2. Increase my savings
    3. Make a budget and stick to it
    4. Minimize unnecessary spending

  • Robyn J

    2017 Goals
    1. Increase credit score to mid 700s
    2. Continue to pay all bills on time
    3. Pay down credit cards to only 20% of balance
    4. Increase my mother’s credit score
    5. Continue to save & contribute to my Roth retirement
    6. Invest in real estate.

  • KE Parker

    1. Credit Goals 2017: 1. Get my credit score up to 600-700’s. 2. Pay off significant debts mostly medical. 3. Begin plans to purchase home. 4. Purchase a used vehicle in order to do pt job for both Caviar and Postmates. 5. Rid myself of unnecessary clothing and such, donate.

  • Symone

    1. Increase my credit score by 80pts.
    2. Pay down the balance of my highest limit credit card by paying an extra $50 a month.
    3. Decrease my credit card use by 25%

  • Roxanna Adanna

    2017 Credit Goals
    1. I will improve my credit score from a 660 to 800 by January 21, 2018.
    2. I will clear out 4 accounts that are in collection by June 21, 2018.
    3. I will budget money aside to start my family with fertility treatments February 2017.
    4. I will save money aside for a big move in 2018.

  • Cynthia Mayes

    2017 Credit Goals
    1. I will payoff all credit cards except one by November 2017.
    2. I will decrease my medical debt by 25% by December. 2017.
    3. I will improve my credit score by 100 points by June 2018.

  • Robresha

    2017 Credit Goals:

    1.) Raise credit score to 750+ by December 31, 2017
    2.) Pay off all credit cards to ZERO and maintain 10% utilization by July 31, 2017
    3.) Get all negatives (only one) off of credit report by February 1, 2017

    LET’S GO LADIES (and gents)! WE CAN DO THIS!!!

  • Stella

    2017 Credit Goals
    1. To increase my credit score up 200 points.
    2. Begin the process to buy a home
    3. To become less and less relaying on credit

  • Crissy

    Raise credit score by 100 point by December 2017
    Pay off 1st student loan by May 2017
    Pay off all debts by December 2017
    Save 5k by December 2017

  • Tommi

    My credit goals are to learn more about credit and understand it in detail throughout this challenge. I would like to work on developing the best plan to pay off my student loan debt . I also would like to ensure that I have the lowest interest rate possible on my card

  • Sharnella Shaver

    My 2017 goals would be to 1. Obtain the courage and know how to obtain and understand my credit report/score to see what I am working with 2. Tackle or dispute any delinquent items which may be showing, 3. Increase credit score within this year.
    4. Become in tune with my finances and understand some basic terminology

  • Rosalyn

    My goals are 1. Pay off all my debt (except student loans) by Jan. 1, 2018
    2. Get student loans in good standing
    3. Find options for loan forgiveness

  • Lesha Bell

    My 2017 Credit Goals
    1. Increase credit score by 50 points by June 2017 to reach the 700 Club.
    2. Keep credit utilization under 10% and pay all credit balances in full by the due date.

  • Yolanda

    2017 Credit Goals

    1. Obtain a no fee major credit card by February 2017
    2. Pay balance in full when using credit every month
    3. Gain better spending control with discretionary income (e.g., redirect to savings/investments every month.

  • Shante

    Hi, Two specific goals to accomplish this year. 1. Reach the 700 club. I’m currently at 650. 2. Become mindful and vigilant about reviewing my credit reports to maintain an accurate report.

  • Nishia

    2017 Credit Challenge:
    1.) I will increase my credit score by 100 points by Dec. 31, 2017.
    2.) Pay off (3) lowest debts on credit report by Sept 1, 2017.
    3.) Put aside $25 (minimum) weekly for the next 52 weeks (minimum savings:$1300)

  • Pingback: LRC Credit Edition Day 2: Credit Basics - The Budgetnista Blog()

  • Rolanda Bruce

    1. To increase my credit score from 600 to 715 by Sept. 2017.
    2. Get rid of all negative inquires from my credit report.
    3. Start paying towards my student loan balance.

  • Micole Jenkins

    2017 Credit Goals.
    1. Raise credit score from bad to excellent.
    2. Pay off car loan
    3. Begin to save to purchase home by December 2017.

  • Nacarri

    My Credit Goals:

    1. Raise my credit score by 60 points by May 2017 (640 to 700)
    2. “” by 110 points by Dec 2017 (640 to 750)
    3. Get my first credit card with low rates and practice methods to help build my credit
    4. Get a new car by May 2017 with low interest rates

  • Nichele

    2017 Credit Goals
    1. Reduce credit utilization to 20%
    2. Increase credit score by 100 points

  • Lakisha

    Increase score by 100 this year. Pay off a large debt. Add to savings.

  • Jaqlyne Gabrielle Grant

    ’17 Credit Goals
    1. Increase credit score by 100 points
    2. Pay off at least $5,000 in debt
    3. Maintain good credit score
    4. Not create bad debt(credit).

  • Sonia Pitter

    1) Increase credit score from 697 to 720
    2) Maintain credit card debt ratio at under 15%

  • Dallas Freeman

    1) Learn more details as to what credit is
    2) The proper way to increase credit
    3) What can good credit get you?
    4) Increase my score to at least the upper 700s across the board (fico, equifax, transunion) by the end of the year

  • LaShaundrea

    Credit Goals:
    1) Pay off all small debts by the end of 2017
    2) Stop living from paycheck to paycheck
    3) Begin to save monthly

  • Spencer St Fleur

    Hello everyone,

    My goals are:
    1) Reestablish credit
    2) Maintain a savings account (and don’t touch it or transfer it to checking)
    3) Pay Student Loans on time
    4) Pay medical bills

  • Tramaine Marshall

    1. Reduce credit utilization to 20% by march 2017.
    2. Increase credit score from 628 to 700 by May 2017
    3. Lower interest rate on my car note
    4. Increase credit score from 700-800+ by Dec 2017
    5. Save 3000K to procure a secure credit card

  • Antineshia L Hammett

    My 2017 Goals:
    1. Increase my credit score from poor to Excellent by December 2017.
    2. Pay off my high balance credit cards by December 2017.
    3. Make payment arrangements on student loans.
    4. Follow through on my $20 a week money savings challenge.
    5. Cut balance on car note in half.
    6. Have a second stream of income.
    7. Save at least $1500-$3000 for emergency fund.
    8. Decrease impulse shopping.
    9. Follow through on steps 1-8.
    10. Hold myself accountable.

  • AJ

    1. I’m super excited about this challenge!

    Okay here are my credit goals for 2017
    1. Increase my credit score from 580-650 by the spring (plan on continuing to build from there but I want to be realistic
    2. Successfully negotiate pay to delete agreements with the 4 creditors that have accounts listed on my report.
    3. Pay off 2 smaller student loan payments by the end of the year.
    4. Lower interest rate on my truck in 6 months.

  • brooklynnoriginal731

    1.Raise my credit score to the 800 Club
    2. Payoff my CC by end of 2017
    3 Participate in the 52wk challenge

  • Adrienne Campbell

    Pay off my credit cards and medical bills by July so I can focus on paying off my student loans. Raise my credit score to 700 by March. Increase my savings prepare for my new home and more travel. Create a 2nd source of income. Pass my new way of thinking and saving down to my children.

  • Hondahoney007

    1)Increase my credit score back to 800’s.
    2)Pay off my car note by the end of June 2018.
    3)Pay my master card down to zero by the end of August.
    4)Get my online savings from $12,000 to $20,000 by the end of December.

  • Alitha Hawkins

    Increase my credit score to 690 by June.
    Reduce my credit utilization from 70% to 20%.

  • Latonia

    Pay above the minimal amount on credit cards to pay off sooner.
    Increase score to above 700

  • carmen

    2017 Goals:
    1)Increase my Credit Score
    2)Pay off my Credit cards
    3)Have a second stream of income
    4)Save for retirement

  • Jennifer Fresquez

    Credit goals for 2017:
    1) Pay off Amex card by June 2017.
    2) Pay off Visa card by December 2017.
    3) Raise score to 740 (90 points) by December 2017

  • Sharon Gamble-King

    I’m impressed ladies. You can do it! Here are my goals:
    1) I will increase my credit score to 720 by 2/15/17
    2) I will no longer take money left over from bill paying and gamble at casino (so embarrassing at my age, but I love slots. LOL). I will take that extra money and save and/or apply to credit cards
    3) I will increase my credit score so I can qualify for a loan and get my home renovated.
    I can do it and I will!

  • Kenisha Roper

    Super excited about this challenge.
    1) Increase credit score by 200 points
    2) Eliminate the high balance on my credit cards

  • Sharyn

    1. Increase my credit score from 672 to 750
    2. Pay off student loans
    3. Pay off small balances on credit cards and put money in savings
    4. Reduce my interest rate and debt ratio to purchase a home

  • Elizabeth

    1. Increase my credit score 100 points or more by December 31, 2017. 2. Reduce and maintain my credit utilization at 20% or less by July 31, 2017.

  • Bailey R.

    My credit goals are:
    To increase my credit score to buy a home with a low interest rate.
    To save more money in an emergency fund.

  • Renee

    Just signed up so a little behind, but my goal is to increase credit score from fair to excellent by the end of this year:
    1.Remove invalid derogatory history from report (parent added me to their
    credit card account and they did not pay off their
    balance)
    2.Lower credit card balance to less than 30% credit utilization

  • Tyjuanette Smith

    1. Increase credit score
    2. Reduce debt ratio on all credit cards

  • Jackie

    1. Increase my credit score to 700 by 12/31/2016
    2. Pay off 10k in credit card debt by 8/31/2016
    3. Maintain a credit score of 750 going forward.

  • Carla Johnson

    2017 Credit Goals
    1). Improve credit score by 120 points 2). Pay down credit card debt to 30% usage 3). Buy a home.

  • Felecia McDonald

    Increase my credit score
    Consistency
    Remove late history that is under the 7 year mark but 4 years old

  • Sharon Gamble-King

    Thanks ladies for reminding me I need to get my credit utilization down, down, down, so add that to my list. 20% utilization by 2/15/17

  • Vermel

    Goal 1) Complete the 22 Day Live Richer Challenge in 22 days with all activities and challenges completed successfully!
    Goal 2) Reduce debt ratio by 50%
    Goal 3) Increase credit score by 150 points by December 2017

  • Billie Brickhouse

    Long term:
    Reach 800+ club
    Reduce credit utilization to 10%
    NEVER GIVE UP!!!!!

    Shit term:
    Pay bills on time
    Eliminate unnecessary bills
    Pay off bills/credit cards
    Build savings
    Increase credit score.

  • Kim Millender

    My 2017 Credit Goals:

    1. Decrease my CC debt and loans from 19k to 9k or less by 12/31. To specifically tackle $8k in loans and get them paid off by July 31.

    2. To stop shopping. Stop spending. Stop doing too much all the dang time. To not buy things for my classroom all the darn time. To save. I want to save 4k by 12/31. I think I could do it sooner, but I think some life will happen along the way and in the end I want to have a minimum of 4k in savings on 12/31/17 @11:59 pm.

    3. My scores range from 616 – 660. I want to get all my scores to 700 minimum by 12/31/16. Even though scores aren’t a requirement for the NACA program I want my scores up because they should be up.

    4. I want to do this. I want to get control of my spending because its killing me on the inside and making me stress.

  • Latasha Foxhall

    1) Increase credit score to 700s
    2) Pay off all loans
    3) Lower my debt to income ratio

  • Brandi Smith

    I plan to 1) increase my score from 590 to 700 and 2) pay off debt.

  • Sonya B

    1. Increase my credit score by 100 point by August 2017.
    2. Pay off unnecessary dept.(credit cards) December 2017.
    3. Increase emergency fund by 50% by December 2017.

  • Christina K

    1. Raise my score from 647 to the 700 club
    2. Develop a comfortable/responsible relationship with credit.

  • Bonita Brown

    Credit Goals
    1. Gain knowledge and learn the importance of credit.
    2. Improve my credit score from the lower 500 to 700

  • Tameika Noble

    1) Pay off my student loan
    2) increase score to a 700
    3) Buy a Home

  • Sharnita

    2017 Credit Goals

    1. Increase my credit score to atleast 700 by the end of 2017.
    2. Maintaining consistency when paying my bills and any credit account I may have open.
    3. Reduce Debt
    4. Eliminate all debt except student loans
    5. Look into a legit residual income
    6. Open and maintain a 10% credit card ratio
    7. Purchase a house by the beginning of 2018
    8. Maintain a consistent savings that I DO NOT as well as open and invest in a holiday savings for holiday shopping
    9. Be more organized and secure with my finances.

  • Carsetta Lyles

    My credit goals:
    1) improve credit score to at least 700;
    2) learn how to budget better

  • Nikquan M Lewis

    Goal 1: Improve credit score from 648 to 700
    Goal 2: Decrease utilization by paying down my credit card debt.
    Goal 3: Increase savings

  • Vanessa Tanicien

    – Get my credit score into the 700s
    – Pay off all of my credit card debt in 2017

  • Lois Samuels

    My take away was to write down my credit goals to review

  • MsDavis

    2017 Goals
    1. Remove 2 items in collections
    2. reduce credit card utilization under 30%
    3. make payments on time

  • neceyluv

    1. Increase my credit score by 100 points by December 2017
    2. Maintain my debt ratio at less than 30% during 2017
    3. Continue paying my credit card bills in full each month during 2017.

  • empressamber

    2017 Credit Goals:
    1) Dispute credit report items
    2)Pay off debt
    3)Increase credit score to at least 700
    4)Consolidate student loans
    5)Reduce debt ratio
    6)Remove collection items from credit
    7)Be more disciplined w/ money and credit
    8)Increase emergency savings so that I am not dependent on credit

  • Stacey Jackson-Malone

    1) Reduce my credit debit ratio to 20% on all CC
    2) Pay off one debt collection
    3) increase credit score by 100pts by the end of 2017

  • LaShaveia McDowell

    2017 Credit Goals
    1. Continue to maintain use of credit card under 10%.
    2. Pay off small debt
    3. Increase credit score from 636 to 736
    4. Start saving

  • Crystal Lazenby

    1. Increase my 640 credit score to 700 by March ’17
    2. Pay off my medical debts by year end.

  • Tammy Nelson

    1. Increase my credit score by 100 points by December 31, 2017
    2. Pay all my bills on time
    3. Build savings

  • SimplyMo

    Hey fellow Dream Catchers, I’m late to the challenge and just joining on Day 5, but here are my goals.
    1.) I will increase my credit score by at least 100 points in 9 months using the tools I learn in the challenge.
    2.) I will have a credit score in the 800s in no later than 18 months by continuing to implement what I’ve learned.
    3.) I will pay down at least $1200 in student loan interest within the next 12 months.
    4.) I will grow my savings account consistently by $125 a month for 12 months and I will not transfer money out of this account unless transferring to an account with a higher interest yield.

    I’m still looking for an accountability partner if anyone is willing to join me.

  • Cierra Boddie

    I am just joining the challenge and my credit goals are to 1.) to increase credit score by 100 points by end of August 2017. I will continue to work on it until I reach 800.
    2.)Eliminate debt by paying off bills and decrease spending habits to save money.
    3.) Increase savings account tremendously by end of the year by using 100 envelope savings plan.

  • Channa Comer

    Goal 1- Find out my credit score
    Goal 2- Create specific steps in an action plan to improve my credit score
    Goal 3- Decrease revolving debt by at least 70% over the next year

  • Ami Sanabria

    1) Raise my credit score from 547 to 720
    2) Bring down my CC utilization
    3) Find an accountability partner
    4) Work on retirement savings
    5) Have an emergency fund account
    6) Save for a down-payment for my first home
    7) Pay all bills on time
    Etc.

  • Kaneisha Rose

    1. Increase my credit score from low 600s to high 700s
    2. Start and maintain at least 1000 in savings
    3. Pay all my bills on time
    4. Secure an apartment for me and my boys

  • Bit behind posting, but my credit goals are:

    1. Remove this medical collection
    2. Get and maintain in the 750 club
    3. Create another savings account for travel so I do not have to use my credit card next year

  • Annette Walker

    Day 1
    Credit Goals:
    1-Increase credit score by 100 points by Dec 2017 & continue a steady increase
    2-Reduce credit card utilization to under 20%
    3- Start and maintain a Savings, starting with 100 envelope challenge
    4-Have and maintain an emergency fund.
    5-Lower interest rate on car note & pay car off
    6-Budget more effectively,
    7-Remove items from collection
    8-Being able to work on Retirement Savings
    9-Learning how and investing in stocks more income

  • VannieParadis

    Increase credit score from 760 to 800.
    Pay down credit cards and limit to a 20% usage ratio.

  • VannieParadis

    Increase credit score from 760 to 800.
    Pay down credit cards and limit to a 20% spending.

  • Kierra Prettyface’Ladybug Terr

    My credit goals are to raise my score and erase my accounts in collections

  • Regina Ruffin Rogers

    2017 Financial Goals are: 1) Pay out Medical Collections bills by March 2017. 2) Pay down student loans by December 2017. 3) Increase monthly savings by December 2017. 4) Purchase a house by June 2017.

  • Bonita Wingate

    2017 credit goals:
    1. increase my credit score by 100 points by August 2017
    2. Begin paying off small debts ($250.00 or less) lingering on my credit report March 2017 target date to begin
    3. Initiate savings account using 50% of income from part time job # 3
    4, Use MINT to develop and stay within budget.
    5. Re-evaluate recurring charges/memberships that I may no longer need/use

  • Sha-twon Rowe

    My 2017 goals
    1. Get my credit score up.
    2. Pay off 1-4 items on my credit report
    3. Get the my credit score up so i can get in the first time home buyer program.
    #LiveRicherCredit#

  • Ebony Wright

    My credit goals:
    -Increase my credit score from poor to fair for starters.
    -Be able to get a credit card.
    -Be able to get lower interest rate on my car note.
    -Clear debt.

  • Tina Littlejohn

    1.) I will increase my credit score by 100 points by December 2017! I am a work in progress!
    2.) I will have a savings accounts with $1000. for emergency fund.
    3)I will have a lower interest rate on my car loan

  • Ruth Cook

    1. Increase credit score by 100 points by January 31, 2018
    2. Pay off credit cards in full each month to avoid paying interest and continue to accrue mileage and cash rewards.

  • Donna

    1. increase score to700. unsure of what it is now, but I know it is not that.
    2. Clean credit report
    3. Get back to no late payments

  • alicia

    Hello all. Credit Goals:
    1. Clean off 40% of credit.

  • Nishikki Green

    2017 credit goals:
    1. increase my credit score by 100 points by September 2017
    2. Begin paying off small debts ($250.00 or less) lingering on my credit report March 2017 target date to begin
    3. Initiate savings account using 50% of income earned by other business
    4, Use a system to stay within budget.
    5. Join the #750Club

  • Joanna Connelly

    My credit goals for 2017: Increase my score by June; cut my debt by at least 1/2 by June; and only have one credit card debt instead of four by December.

  • Vivian O’Hannon

    1. increasing my credit score 100 points by August 2017

    2. keep credit debt ratio at 30% and under
    3. paying off student loan by January 2018

  • Erika

    I want to raise my credit score!!!
    Pay off debt working from smallest to largest
    Start saving money from monthly at min $100 a month

  • Terri Ashby

    1. Increase credit from 601& 583 to the 700 club
    2. Minimize my credit utilization to under 30% (currently 70%)
    3. Save for home ownership by 2018

  • URSH

    1) I would raise my credit score from 673 to 800+
    2) Less credit card usage
    3) Payoff my credit cards

  • CoCo Brown Lee

    Increase my credit score from 400 to 700 by September
    To pay off as much debt as possible by June
    To work diligently on reviving my credit for the next year

  • Jenisha

    My goals:
    1. To pay off large CC debt, small CC debts.
    2. Repair and restore my credit score to a 700 or higher.
    I’m planning to start right away with settling my accounts with bank of America and then proceeding to tackle the other debts.

  • April Rice-Johnson

    Raise my credit score from 550 to 750 or higher
    Pay off all collections

  • Juanita

    I have been writing everything down on the printed copies, now transferring them over. My goals are as follows:
    1. I will increase my income to pay my debt in full by March 2017.
    2. I will raise my credit score by 20+ points by paying down my page and having at least 1-2 negative things removed from my credit report, maybe by contacting Lexington Law.
    3. I tried to negotiate with the last First Premier card, however, they kept refusing my offers so I may allow Lexington Law take care of it or someone else, I am going to call them on Tuesday, January 17th, my project will be complete by then.
    4. I want to see my score go from 592 to 700 by the end of 2017.

  • Sandra R

    Credit Goals day 1
    1. Fix credit by increasing my score from a 500 to 700 by the end of 2017.
    2. Buy a car.
    3. Be on top of my bills instead of drowning under them.
    4. Start saving for a rainy day.

  • Tessa

    1) increase our credit score by 50 pts by the end of the year
    2) payoff credit cards under $1000 by 9/17
    3) increase emergency fund by $1000

  • Shereeba Pruitt

    1. Increase my credit score by 100 points in 1 year.
    2. Avoid bankruptcy by understanding credit and how to take control of the negative influences on it.
    3. Gain control over my finances again so that I can save $$$.

  • Sandy Eyl

    1) to get rid of credit card debt from Christmas
    2) to get a 0 % balance transfer card and save on interest charges
    3) to understand where my money is going

  • Bridget Asante-Ansong

    1: Pay off all y credit cards by the end of the year of 2017.
    2: Increase my credit score to the 800 Club
    3. I will increase my savings by using different methods.
    4. Possibly apply for a business loan to start my child care center

  • April S

    1. To remove old collections from my account
    2. To keep my utilization down
    3. Bring my credit from 639 to the high 700 club before the end of 2017
    4. Better budgeting skills to pay off my car loan faster