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Administrator Emeritus
Posts: 4,444
Registered: ‎03-01-2007
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Take the FICO Fitness Challenge for 2010!

[ Edited ]

The Consumer Federation of America found that consumers could save $28 billion a year in lower credit card finance charges if they improved their credit scores by 30 points. As the New Year begins we’d like to officially announce the FICO Fitness Challenge!

The concept is simple:

Set a goal for where you’d like to see your FICO score at the end of 2010. 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. Why not challenge yourself to get your credit in shape and start saving money?

To take the challenge tell us the following: 

1.  Your FICO score goal for 2010

2.  Your current FICO score(s)

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

Then periodically share your progress with the FICO Forums Community and help others by providing the kind of expertise and support that earned us a prestigious Forrester Groundswell Award for social media in 2009.


Here's to a financially healthy New Year for us all!



NEW feature:  Click here for the Official FICO Fitness Challenge siggy!

Message Edited by Barry on 01-13-2010 11:52 AM

Formerly consumer affairs manager, media spokesman and myFICO Forums community manager at FICO, I'm now freelance writing for and my own site,

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
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Re: Take the FICO Fitness Challenge!

1) Our goal is to raise both EQ & TU FICOs to 750 & 760 respectively for both DW and myself.


2) Our current EQ/TU FICO scores as of January 1 are 642/672 for myself and 651/667 for DW.


3) The fastest way to impact our FICO scores is to paydown CC debt. DW was at 89% at the start of the year and I was approaching 70%. We began working a plan to lower our util near 0% by July 1. We are also looking to buy our first home this year too.

Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
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Re: Take the FICO Fitness Challenge!

I wish I had a goal to set.  I made some major accomplishments in 2009 by getting all negatives deleted.   I guess it never hurts to get the FICO scores higher.  I won't apply for any new credit and will let my AAoA increase. 


Best wishes to all who taking part of the FICO Fitness Challenge

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: Take the FICO Fitness Challenge!

I'm going to be losing a big chunk of history when I drop off of an AU card. (It's done its job.) So I'm actually looking at losing points, at least initially.

So my goal isn't to increase my scores; it's to get them back. Smiley Very Happy

Current scores: TU 765, EQ 759.

I'll do this by refraining from apping, keeping my util at essentially 0%, and working on a closed account with lates that is softed quarterly with an -AR suffix. I don't think they're allowed to do that...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Member
Posts: 49
Registered: ‎05-04-2009
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Re: Take the FICO Fitness Challenge!

My goal for 2010 is to get my FICO score up to at least 750 if not over.   Currently my score is 718.  I plan on raising it by no app'ing for the year and to pay down on my current debt.  I am greatful to not have any negatives. 

Starting Score: EQ 697 TU 709
Current Score: EQ 734 TU 720
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,374
Registered: ‎03-15-2007
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Re: Take the FICO Fitness Challenge!

I don't even know what my FICO score is anymore.  2009 was brutal for me...
- - - -
in a credit-scoring postnuclear Stone Age...
Frequent Contributor
Posts: 359
Registered: ‎06-06-2009
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Re: Take the FICO Fitness Challenge!

(1) My goal is to break into the 700 club, hopefully 720+

(2) Current FICO scores: 677 TU; 691 EQ

(3) My plan is - not much - time is my greatest ally. Pay down & pay off some CCs, keep paying my SL, let my accounts age and do not open any new accounts.


2009 was a volatile year for my credit profile. I consolidated 3 or 4 student loans into one, I opened up I think 8 new charge accounts ( I only had one before this, which I was an AU on), and a couple of derogs dropped. I had a total of 20 SW alerts from July to Dec....

I have no plans to make a major purchase, such as a house or auto, and I am in no desperate hurry to raise my scores instantly, so my big plan is really nothing for now except to let accounts and inquiries age and maybe increase some CLs. I still have some derogs which aren't scheduled to drop off completely until late 2011, I'll just let them die a slow death. By early 2012 I should have a pretty clean and healthy credit profile except for a couple of things which I have no power over at the moment.


Good luck to all.

Recent Cards:
12/2012 - Discover (ICL 3,375 CLI to 5,375 05/2014)
12/2013 - Chase Freedom (ICL 3,500 ACLI to 4,500 07/2014)
03/2012 - Gander Mountain MC (WFNNB) 7,000 CL
04/2012 - Ace Rewards Visa (US Bank) 12,000 CL
Back to gardening for a year or two
Regular Contributor
Posts: 119
Registered: ‎12-04-2009
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Re: Take the FICO Fitness Challenge!

1. My goal is to cross the 650 mark

2. My current fico is 614 (1/4/10 SW alert)

3. Pay all credit cards off, GW until my fingers bleed, Get a secured card

Started at 586 EQ and 604 TU in 8/2009
565 EQ Oct 09
614 EQ Dec 09
624 EQ Feb 10 ---604 TU Jan 10
643 EQ March 10 --from lender
Current 573 TU (myfico) 632 EQ (from lender) Jan 11
Valued Contributor
Posts: 1,320
Registered: ‎04-18-2009
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Re: Take the FICO Fitness Challenge!

1. Y/E 2010 Goal - 720 - may be difficult to achieve as I could lose some 10 year positive history....

2. Current TU 663 and EQ 682

3. I plan to keep my utilization down, continue to gw my three baddies and hope for the best....let stuff age..

Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
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Re: Take the FICO Fitness Challenge!

The last time I took something...they made me bring it back... :smileysad:  




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