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Valued Member
JayDilla
Posts: 37
Registered: ‎02-06-2010

Re: Take the FICO Fitness Challenge!

Found a $51 collection on CR. Called the collection agency, the lady was very polite with me. had 2 collections one for 1700 and 51. Told her I could only pay the 51 she didnt hound me about the 1700, she was understanding, said she will have the 51 deleted from my CR. Been paying down the CC's seen my fico go up 9 points at 498 now.


Starting Score: 452
Current Score: 563
Goal Score: 715


Take the FICO Fitness Challenge
New Member
militarymed
Posts: 3
Registered: ‎09-22-2009

Re: Take the FICO Fitness Challenge!

I just wanted to say--  Good luck everyone!


Starting Score: 619
Current Score: 688
Goal Score: 750


Take the FICO Fitness Challenge
Valued Member
8benji
Posts: 26
Registered: ‎12-08-2009

Re: Take the FICO Fitness Challenge!

1.  My FICO score goal for Dec 2010 is 725. My score has already increased by 10 points since Dec 2009. I am currently at 696.

2.  EQ 696, EX 705, TU 694

3.  I  plan to keep utilization low, pay off all balances monthly.




Starting Score: 680
Current Score: 700
Goal Score: 760


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Member
JClay
Posts: 8
Registered: ‎07-28-2009

Re: Take the FICO Fitness Challenge!

[ Edited ]

I'm up for the challenge. Tired of having bad credit.




Starting Score Equifax Aug 09': 525 EQ 575 TRANS 553 EXP
Current Score: 657 EQ 670 TRANS 684 EXP
Goal Score: 675


Starting Score Experian Aug 09': 549
Current Score: 652
Goal Score: 650


Take the FICO Fitness Challenge

Starting Score Transunion Aug 09': 575
Current Score: 634
Goal Score: 650


Take the FICO Fitness Challenge

Good luck to all of our FICO Fitness Challengers!





Established Member
yaya2486
Posts: 13
Registered: ‎03-21-2010

Re: Take the FICO Fitness Challenge!

Hi  chela62678,

 

I would recommend that you cancel your subscription with Truecredit as soon as possible. I had the same problem. I enrolled my husband with Truecredit and their scores were impressive-- the highest was Transunion's for 678! I was curious so we dedided to pull his Transunion credit score from here on Myfico.com. There was a major HUGE difference by like 45-50 points. Truecredit's credit scores are FAKE and is not accurate. Myfico is the best and most accurate. Hope that helped! :smileywink:

 


 

 


Starting Score: 543
Current Score: Equifax 674
Goal Score: 700


Take the FICO Fitness Challenge
Contributor
joshandkimm
Posts: 86
Registered: ‎11-08-2009

Re: Take the FICO Fitness Challenge!

fingers crossed


Starting Score: TRANS: 573 EQ: 497
Current Score: TRANS: 580 EQ: 584
Goal Score: 650


Take the FICO Fitness Challenge
Established Member
Shentographer
Posts: 19
Registered: ‎02-17-2010

Re: Take the FICO Fitness Challenge!

I second that response and have proof.  In February I bought my scores from trucredit and my fico. Huge difference! Even when I applied for my secured visa my bank was like no they aren't as high as they've(Trucredit) reported ;( The truth hurts but is necessary for improvement :smileywink: Good Luck!!:smileyhappy:


Starting Score: 552
Current Score: 645
Goal Score: 750


Take the FICO Fitness Challenge
New Member
nicolle
Posts: 3
Registered: ‎05-19-2008

Re: Take the FICO Fitness Challenge!

[ Edited ]

Couldn't think of a better way to join this site than having my first post be taking on the FICO Fitness Challenge!

I've been a member of MYFico for a few years but haven't been here since 2008.

So, today, pulled my reports Annulcreditreports; signed up for ScoreWatch and FICO Quarterly Monitoring. Whew!

 

I am hopeful to reach my target score pretty soon.

BK to be off my CR reports in Aug, 2010.

Paid off 99% my credit cards as of yesterday (was at 14% usasge). Next month, the last 1% will be paid off.

 

All that I will be left with is my new car installment loan that was approved last Nov, at 1.9%.

 

Am I doing good??!!

 

Wishing everyone lots of encouragement to reach your goals as well!


Starting Score: EQ: 707 TU:722
Current Score: EQ: 802 TU:736
Goal Score: EQ: 810 TU:780


Take the FICO Fitness Challenge
New Visitor
devilbaby13413
Posts: 11
Registered: ‎02-28-2008

Re: Take the FICO Fitness Challenge!

I just have quick question. When you buy your fico score is the price for the full year or for the month.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Take the FICO Fitness Challenge!


devilbaby13413 wrote:

I just have quick question. When you buy your fico score is the price for the full year or for the month.


 

The score and report purchase ($15.95 before any discounts) is good for that day only. It's a snapshot in time of what your report looks like at that moment.


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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