topic Re: Take the FICO Fitness Challenge for 2011! in FICO Fitness Challenge Archive

Take the FICO Fitness Challenge for 2011!

Barry — Tue, 04 Jan 2011 19:37:34 GMT

Welcome to the FICO Fitness Challenge of 2011!

The concept:

Set a goal for where you’d like to see your FICO score at the end of 2011. Then with the help of our Credit Education Center and FICO Forums Community, take the steps that will help you achieve this goal during the coming year.

To take the challenge, tell us:

1. Your FICO score goal for 2011

2. Your current FICO score(s)

3. The steps you plan to take to achieve your goal

Then create a special signature by clicking here for the Official FICO Fitness Challenge siggy, and periodically share your progress with the FICO Forums community to let us know how you’re doing.

Here's to higher FICO scores for us all in 2011!

-Barry

Re: Take the FICO Fitness Challenge for 2011!

mew — Tue, 04 Jan 2011 19:06:54 GMT

1. Goal score for 2011 is at least 760 for all 3 bureaus

2. Current scores are TU 716 and 741 EQ (December 2010)

3. Make payments on time and continue to pay down student loans

Re: Take the FICO Fitness Challenge for 2011!

Kiwill — Wed, 05 Jan 2011 20:30:37 GMT

1. My Fico Score goal for 2011 is: 800+

2. My Current FICO score(s) are: EQ 729, TU 752, EX (Will know by 1/15/11 thru PSECU)

3. The Steps I plan to take to achieve my goals: Pay down my utility to <10% and stop applying for new credit so that I can have an AAoA of 5+ years.

Good Luck Everyone!! 2010 was a great year for me credit wise, up over 100 fico points!!!

Re: Take the FICO Fitness Challenge for 2011!

Walt_K — Thu, 06 Jan 2011 02:30:22 GMT

1. I don't have a concrete goal. I'd like to see 750 this year but not sure if that is doable. I'm just happy to have climbed out of a major slump.

2. EQ FICO 678 (01/05/2011)

TU FICO 700 (01/05/2011)

EX PLUS 702 (11/30/2010)

3. The steps I will take to achieve my goal are to bring my utilization a little lower and to keep making on-time payments. This month marked two years since my last late payment. Unfortunately, I'm saddled with multiple 120 day lates (and a couple 150 day lates) for the next five years, but at least they are aging. I've tried GW to no avail. Perhaps, now that I have two years of on-time payments, I'll try another round of GW.

I currently only have one open credit card and one Amex charge card, so I am considering adding another revolving account.

I'm curious what is going to happen to my scores in the next couple months. I have a couple closed accounts that I am going to pay off so I will have less accounts reporting a balance, but I will lose the effect of those accounts for utilization.

Re: Take the FICO Fitness Challenge for 2011!

beamMEup — Thu, 06 Jan 2011 20:17:34 GMT

Walt_K wrote:
1. I don't have a concrete goal. I'd like to see 750 this year but not sure if that is doable. I'm just happy to have climbed out of a major slump.

2. EQ FICO 678 (01/05/2011)
TU FICO 700 (01/05/2011)
EX PLUS 702 (11/30/2010)

3. The steps I will take to achieve my goal are to bring my utilization a little lower and to keep making on-time payments. This month marked two years since my last late payment. Unfortunately, I'm saddled with multiple 120 day lates (and a couple 150 day lates) for the next five years, but at least they are aging. I've tried GW to no avail. Perhaps, now that I have two years of on-time payments, I'll try another round of GW.

I currently only have one open credit card and one Amex charge card, so I am considering adding another revolving account.

I'm curious what is going to happen to my scores in the next couple months. I have a couple closed accounts that I am going to pay off so I will have less accounts reporting a balance, but I will lose the effect of those accounts for utilization.

Good plan!

Re: Take the FICO Fitness Challenge for 2011!

joymonica79 — Thu, 06 Jan 2011 21:20:53 GMT

I am currently in a "RAISE MY FICO" state of mind.

I have sent GW letters out as well as DV letters. And I have a bunch of small CA accts that were 120 days past due, so I sent a few PFD letters. We'll see how it all pans out. I have had some success with 2 items being deleted. I also had defaulted student loans' status changes from 120 days to "Pays As Agreed" which helped by writing GW letters. I have a vehicle repo that is due to fall off as of Aug 2011, so we'll see if that helps any.

Now don't think its all bad!!! I do have more positives than negatives on my file. Three years of on-time mortgage paymants, 1 vehicle paid/closed without lates, and a few low limit credit cards that I use to pump gas to keep them going.

I think 2011 will be a very good year!!! If anyone has advice or needs some, holla at me!! :)

Re: Take the FICO Fitness Challenge for 2011!

nisha912 — Thu, 06 Jan 2011 22:00:06 GMT

1. My goal scores for 12/31/2011 are 750 EQ, 760 TU, and 750 EX.

2. My current scores as of late December 2010 are 669 EQ, 699 TU and unsure on EX.

3. My only negative on the EQ and TU reports is utilization which I am working on getting it down by paying the debt off. It will be a long journey but I know it will be worth it not only for my fico scores but for my financial life.

Re: Take the FICO Fitness Challenge for 2011!

taz3261 — Fri, 07 Jan 2011 00:48:43 GMT

Starting Score: tu 574 Eq 622
Current Score: tu 574 eq 622
Goal Score: 700

Take the FICO Fitness Challenge Good luck to all of our FICO Fitness Challengers!

Re: Take the FICO Fitness Challenge for 2011!

Sweets8E — Fri, 07 Jan 2011 03:09:59 GMT

1. Goal 620 across the board or higher

2. Current Scores are 501 EQ/545 TU

3. My plan is to pay off all of my credit card debt and outstanding collection accounts this year. I've been blessed with several promotions and a better salary than what I've been accustomed to. There's no excuse anymore for continuing on with bad credit and outstanding debts...Besides, it's embarrassing. :womansad:

Re: Take the FICO Fitness Challenge for 2011!

joymonica79 — Fri, 07 Jan 2011 04:39:45 GMT

Good Luck Everyone!! And I just want to add that these MyFico Forums have given me so much hope along with valuable credit education.

Thanks MyFico.com :smileyvery-happy:

Re: Take the FICO Fitness Challenge for 2011!

fused — Fri, 07 Jan 2011 04:43:56 GMT

joymonica79 wrote:

Good Luck Everyone!! And I just want to add that these MyFico Forums have given me so much hope along with valuable credit education.

Thanks MyFico.com :smileyvery-happy:

Cool! Welcome to the forums!!!!!!!:smileyhappy:

Re: Take the FICO Fitness Challenge for 2011!

DMiller — Fri, 07 Jan 2011 07:41:41 GMT

1. My fico score goal for 2011 is 650

2. Ex 591 Eq 509 Tu 592

3. I know this year will be alot of work for me, but I will be working everday to improve my scores. I play on getting medicals off my report, and all of my baddies deleted (since I paid most of my debts, but since I had no clue about PFD's they are still on my report as paid/closed) GW'S here I come. With everything I have been learning my myfico community I plan on making the best out of all your information.

Re: Take the FICO Fitness Challenge for 2011!

beamMEup — Fri, 07 Jan 2011 08:18:10 GMT

DMiller wrote:
1. My fico score goal for 2011 is 650
2. Ex 591 Eq 509 Tu 592
3. I know this year will be alot of work for me, but I will be working everday to improve my scores. I play on getting medicals off my report, and all of my baddies deleted (since I paid most of my debts, but since I had no clue about PFD's they are still on my report as paid/closed) GW'S here I come. With everything I have been learning my myfico community I plan on making the best out of all your information.

Welcome DMiller. Congrats on your goals!

I see that you list all 3 credit scores. Without a mortgage pull, it's fairly difficult to get all 3 FICO's - are you aware of the fact that some scores are fako's and that your real FICO scores are available here?

Re: Take the FICO Fitness Challenge for 2011!

DMiller — Fri, 07 Jan 2011 16:00:42 GMT

Which score is it that we can't get? the EQ? That's the one I got from freecreditreport.com

Re: Take the FICO Fitness Challenge for 2011!

MarineVietVet — Fri, 07 Jan 2011 16:06:28 GMT

DMiller wrote:
Which score is it that we can't get? the EQ? That's the one I got from freecreditreport.com

Unfortunately none of the scores from FCR are FICO's. The Experian FICO score is the one not generally available to the public.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Take the FICO Fitness Challenge for 2011!

lteek — Fri, 07 Jan 2011 19:03:31 GMT

If a mbr of PSECU with any credit cards are checking accounts they give free experian fico scores.

Re: Take the FICO Fitness Challenge for 2011!

MarineVietVet — Fri, 07 Jan 2011 19:15:17 GMT

lteek wrote:
If a mbr of PSECU with any credit cards are checking accounts they give free experian fico scores.

You are correct. But other than PSECU and/or a lender pull I know of no other source for Experian FICO"s.

Re: Take the FICO Fitness Challenge for 2011!

guydiver — Fri, 07 Jan 2011 23:32:26 GMT

1. Your FICO score goal for 2011: Get all my baddies off this year and get to 740 on all three.

2. Your current FICO score(s): See my siggy :robotvery-happy:

3. The steps you plan to take to achieve your goal: Credit gardening. I have "0" Inq. on TU & EX, 3 on EQ turning one yr. old in Jan,Feb., & March this year. I have a ton of baddies falling off starting in March that will put 5 of 7 negative accounts to positive status. The remaining two are a CO that is turning 7 yrs. old this year, and a 90-day due to drop 02/12. I'm paying down my CC balances by 10% each month. Student loan and signature loans will be paid by the end of the year. Less than 2 yrs. to go on my car loan. Hope to get a new home in 2012! Good luck to everyone.

Re: Take the FICO Fitness Challenge for 2011!

myficofan — Sat, 08 Jan 2011 01:26:10 GMT

Yo Barry howz it going? I have a 795 TU, 800 EQU. How can I get my experian score?

Re: Take the FICO Fitness Challenge for 2011!

MarineVietVet — Sat, 08 Jan 2011 02:43:49 GMT

myficofan wrote:
Yo Barry howz it going? I have a 795 TU, 800 EQU. How can I get my experian score?

Hello and welcome to myFICO.

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Transunion score at www.transunioncs.com. At www.equifax.com EQ will still sell you an EQ FICO score but you need to look for their "Score Watch" product.