What was your biggest improvement last year?

PaperEnterprise

It's the inner strength..
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2015 was a tough year for me. I worked but also went back to school to learn more so i can have a better future.

Trying times = focused...i know what i have to do...

2016 i have 3 goals:

Get my credit upto 700 or better, its really bad because of missed payments on my student loan. At one point in my life i just stopped caring...in like 06 to 08.

Pay off my debt...mainly student loans. 24k

Get my health and nutrition back to the way it use to be. This will be easy...

Oh yeah, and ill be cutting off more people. 2015 i was really good at letting go of people.

Edit: just deleted 27 contacts from my phone :ahh:
 
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MR. SNIFLES

**** YOU THUNDAAAAAAAAAAH
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THUNDER BUDDIES
Drop the how to process

Credit Engineering at its finest!!!

STARTED AT 494 WITH 26K IN DEBT. MOSTLY MEDICAL BILLS FROM WHEN I WAS REALLY SICK. I AVOIDED CREDIT FOR YEARS AND PAID CASH FOR EVERYTHING.

I GOT A BULLshyt LIL SECURED CREDIT CARD AND PUT 400 ON IT. I SET MY SPOTIFY AND NETFLIX SUBS TO GET PAID WITH IT. I THEN SETUP AUTO PAY AND PUT THE CARD IN MY DRAWER. I ALSO SET UP A FINGERHUT ACCOUNT BECAUSE THEY ARE REALLY EASY TO GET AND REPORT TO ALL 3 CREDIT AGENCIES. BUY SOMETHING SIMPLE AND MAKE PAYMENTS ON TIME.

I SENT LETTERS TO ALL OF MY CREDITORS TO VERIFY AND PROVE MY DEBT. THEY STARTED DROPPING OFF MY REPORT LIKE FLIES. I USED CREDIT KARMA TO MONITER CHANGES EVERY MONTH. NOW I ONLY HAVE 3 CREDITORS LEFT WITH $5,000 IN DEBT. THE NEXT STEP IS NEGOTIATING WITH THEM AND PAYING IT OFF.

I JUST GOT AN OFFER FOR A $2000 CREDIT CARD WITH MY BANK. I CHECKED CREDIT KARMA AND I'M AT 715. THAT IS A CONSUMER SCORING MODEL SO MY FICO IS PROBABLY LIKE 695-700.

THE TIMING IS PRETTY GOOD BECAUSE I WANT TO BUY A TRANSIT VAN OR A F-650 TO GET INTO EXPEDITING.
 
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