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Established Contributor
Posts: 767
Registered: ‎08-11-2008
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Re: Take the FICO Fitness Challenge!

klimtmuse, Credit repair is like having a second job. I started off just trying to make sure that the three cards I got were paid on time every month. Then I started really pouring thru the full myfic site. I pulled my all three of my reports and I started line by line of seeing if I could get things removed. I had so many I only attacked 5 @ a time. then when I got @ least thre removed I added three more. I made sure I took good notes and every time I wrote a letter and got a response I filed it. I wrote GW letters and have had great success (3 ot of 4) I did about 8 PFD's and some were disputed and dropped and finally some just aged off. @ first the only thing I wanted out of ths was to become a homeowner, now I want better Credit Cards and limits plus I now know that my insurance rates for my home will be bettter because of my score. Life can be manuvered easier with a better Credit Score. My advice to you is to jump on the site as often as possibel. Post your baddies in the Rebuilding section and see what advice you will get. Also pay attention to the drop off dates and never talk over the phone to a Collection Agency unless its the CEO telliing you he is deleting a baddie!

Starting Score: 685
Current Score: 685
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Posts: 680
Registered: ‎01-24-2008
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Re: Take the FICO Fitness Challenge!

I am taking this year to re-invent myself. I had a hard time last year with being in school full time and not being able to work. We only had one income and it was tight. Lets just say everything that could happen did. I am now about to start my new job as a BSN/RN and I am excited. With both of our incomes, we should be able to attack a lot of this early in the year. I just pulled my credit score from Equifax to see what the damage was, 487. I have a 452 as of 11/09 and I signed up for quarterly updates I think. I take my state boards next month for nursing then I am starting on this. My goal is just to get all bills paid on time for this month and next month. Then, once we get income tax, I want to pay down as much as I can.


My Goals for 2010- Pay ALL bills on time

                              Pay off all current credit cards

                              Move up into the low 600's




Start Score:493Current Score:510,540, 569
Goal Score: 700>>>>>
Valued Member
Posts: 40
Registered: ‎02-06-2009
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Re: Take the FICO Fitness Challenge!

My goal is to break through into the 700 club. Last year it was to hit 600 and as of today, my score are in the mid 600 range. I believe that the same amount of growth can be achieved this year!!!


To take the challenge tell us the following: 

1.  Your FICO score goal for 2010- all CRA over 700

2.  Your current FICO score(s) - Experian-603 (but I know it went up), TransUnion- 646 (up from 593 a week ago), Equifax-580 (waiting to update)

3.  The steps you plan to take to achieve your goal-Removing a few baddies from my credit and getting another credit card and keeping them both under 9% util. It worked last year


AMEX PRG || AMEX EDP || Discover IT || UFCU Great Rate
Established Member
Posts: 23
Registered: ‎01-12-2010
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Re: Take the FICO Fitness Challenge!

I just got off the phone with a very nice person from the Agency of Credit Control--the collection agency reporting my medical collections--and she informed me she got my GW letter and would be deleting all my accounts and sending me a letter verifying the deletion in case the CRA's don't respond quickly enough!


I had heard the collection agencies don't often honor GW letters, but this one did with the first letter! She did say my letter was polite and respectful, unlike many of the communications she has. So it really does pay to write a nice, honest GW letter.


Thanks for teaching me how to write GW letters everyone. I can't wait to see how much my scores rise because of this! After those are deleted, the only derogs on my credit reports will be a bankruptcy from a few years ago.


I'll be doing the happy dance all weekend now!

Current Scores:
TU FICO- 740 - 10/12

EQ FICO- 713 - 10/12

EX - No idea...

CK FAKO - 693

Starting Scores:
TU - 684 - 1/11/10

EX - 695 - 1/11/10

EQ - 641 - 1/11/10
Valued Member
Posts: 44
Registered: ‎01-15-2010
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Re: Take the FICO Fitness Challenge!

My goal is to get my credit score to 720, currently it is 604 with Transunion. My collections are due to fall off in March so hopefully that will help.

1) I plan on paying down all my credit cards.

2) Paying everything on time.

3) Not applying for any new credit

Starting Score: 1/15/10 TU 604 1/28/10 EQ 632
Current Score: 6/24/11 TU 709 7/18/11 EQ 724
Goal Score: 750

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
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Re: Take the FICO Fitness Challenge! (need negative removal advice from anyone who's done it-fast! )

Valued Member
Posts: 31
Registered: ‎01-21-2008
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Re: Take the FICO Fitness Challenge!

So, in order to better facilitate reaching my 2010 credit goals, I pulled my credit reports for the year.  I was pleasantly shocked and a little surprised to see that I have no negatives and there were no errors on my report.  YEA!!  When I got started, years ago, I had 2 mortgages that weren't mine and a slew of collections, some mine, some not.  I couldn't get a pproved for even a secured credit card.  It was really very sad.  There's something very satisfying about taking stock and seeing all the hard work pay off.


Now to work on the DH's.  But even his was dramatically better than the last one I pulled.


So now I guess my plan is just to stay the course and let time do it's thing.


Starting Score: 529
Current Score: 712
Goal Score: 750

Take the FICO Fitness Challenge


Starting Score: EQ529 TU?
Current Score: EQ752 TU 749
Goal Score: 800

Take the FICO Fitness Challenge
Valued Member
Posts: 28
Registered: ‎07-11-2008
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Re: Take the FICO Fitness Challenge!

[ Edited ]

First off I would to say "Thank You" to each, and everyone of you for you patience and passion for helping others.  I started out on these forums with bad credit, and no credit whatsoever.  I am on here reading everyday, I don't post as much, as you can see.  This is what I have done with what I have learned on these forums.


Car Loan paid off Aug 09

Target started 200.00 CL Jul 08, now 1,000.00 CL balance 185.00

JC Penney started 200.00 CL Dec 08, now 1,800.00 CL balance 158.00

Chase started 2,100.00 CL Jul 08, still 2,100.00 CL balance 0

Kay's Jewelers 3,000.00 CL Oct 08, now 4,500.00 CL balance 216.00


Not to mention several PFD'S, and letter's it took to remove items off CR's.

Thank You FICO Forums



Message Edited by katk9 on 01-16-2010 02:08 PM

Starting Score: 689/693
Current Score: 689/735
Goal Score: 720/720

Take the FICO Fitness Challenge
New Visitor
Posts: 11
Registered: ‎02-28-2008
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Re: Take the FICO Fitness Challenge!

I just have a quick question for anyone that might be able to help. I am almost done paying off one of my debts that is in collections, but the collector but the a jusdement again me shortly after I made payment arrangements with them. I was wondering how long would it be before the collection agency and judgement is taken off from my credit score?
Regular Contributor
Posts: 134
Registered: ‎09-16-2007
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Re: Take the FICO Fitness Challenge!

My FICO goals for 2010 are to move into the 700+ club.


Current scores are EQ 665 TU 676 EX 674 (Per LO)


All my chargeoffs and collections are due to fall off between August and November.  Theres's about 5 total.

I have a paid tax lien that will be 2 years old in Feb. Additionally, I'll have a mortgage and 2 car loans that are all paid but with lots of lates. All of the lates are 5+ years old.


Like most people here, time is my greatest ally. I was just recently preapproved for a home loan. We'll see if I get the home as the LO thinks I may need to pay the collection accounts, which would be a dealbreaker for me.


I will let my accounts age and not apply for new credit other than mortgage loans.

1/19/09 EQ 595 TU 508 EX 579 FICO
7/1/09 EQ 659 TU myFICO 654 TU 671 EX 644
10/14/10 EQ 696 EX 710 TU 728 (Wachovia pulled scores)
11/1/10 EQ 705 EX 710 TU 728 (700 Club all around, yayyy!)
07/24/11 TU 735
5/21/12 EQ 704 EX 737 TU 722

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