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Starting Score: 707
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The motivation of Fico fitness is to hit a goal score over the course of the year. Check out the Garden club in this forum for motivation to not apply for new credit. There are levels depending on how long it's been.
http://ficoforums.myfico.com/t5/Credit-Cards/Garde
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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