01-07-2010 11:45 AM
01-07-2010 11:46 AM
Currently my Ficos are EQ 693 and 748 TU. EQ would be higher if I didn't have a paid tax lien that will be there until 11/2014 unless I do some serious disputing (it's also on EX but not on TU, thank God). I am guessing EQ will probably be at 720 by the end of the year. I will not be apping, as I have 4-5 inqs that will fall off this year. TU, assuming nothing evil happens will probably be around 768-780. Though I think that's wishful thinking. TU is probably my most useless score. All the lenders that matter pull either EX or EQ. TU only gets pulled when I'm doing loan (auto or house) shopping. Otherwise, it would be Merricks or Barclays. (I already have a Barclays card).
We'll see, hopefully.
01-07-2010 12:05 PM
My 2010 fico score goal is to get into the 700's +
Current Fico score is EQ 658 and EX 663 don't know my TU score
I plan to get a second job so I can pay off all my education loans (hopefully by AUGUST 2010) and pay off my cc! No more opening any new accounts and keeping away from using my 2 CC or if I do use them to make sure I pay them off quickly.
WISH ME LUCK!
01-07-2010 10:34 AM
01-07-2010 12:51 PM - edited 01-07-2010 12:56 PM
1. Goal, 700+, would love 720
2. Equifax 649 (ouch, took a dive), Transunion est 675 (have not purchased for a few months, however CreditKarma is 699).
3. Mainly paydown and no new applications. Few baddies that are left will fall off this year or next. No baddies less than 6 years old. Agressive paydown.
01-07-2010 01:22 PM
So my credit score has taken a dive!! My hope is to bring it back up to at least 720 by paying off my credit cards and continuing to pay all of my bills on time. But most of all I will remember that just because one thing gets paid off doe not mean that I have to replace it with another debt!!
01-07-2010 01:22 PM
Hi, i am new.
My goals are to get my scores to 650 or above.
My current is EQ: 601 TU: 596
my cards should be paid down to about 20% utilization next week. i am very excited about this.
i would also like to get approved for a discover card lol:/
if anyone can point me in the direction on how to get negative items removed, id appericiate it. thanks.
01-07-2010 01:56 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.