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New Contributor
Posts: 65
Registered: ‎01-22-2010
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Re: Take the FICO Fitness Challenge for 2011!

1.  Your FICO score goal for 2011: EQ -- 760+

2.  Your current FICO score(s): EQ -- 730

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

        1) Get last 2 CA off CR

        2) Credit Gardening


Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800


Take the FICO Fitness Challenge
Regular Contributor
Posts: 222
Registered: ‎10-25-2010
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Re: Take the FICO Fitness Challenge for 2011!

My goals for this year.

 

1. In the short term my goal is to achieve a score of 680, if everything goes according to plan I hope to be 700+ by end of year.

2. Current score as of 1/7 is 619

3. Increase my debt payments and continue paying bills ontime.

 

 


Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 685 EX 03/2013(via AMEX App)
Current Scores: 667 EQ 09/2013 | 696 TU08 04/2015 | 689 EX 06/2014(via AMEX CLI)

AMEX BCE $12.3K | AMEX Zync NPSL | Cap1 Quicksilver MC $3.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $5K | Comenity VS $3K | Walmart $4.5K
New Contributor
Posts: 65
Registered: ‎01-22-2010
0

Re: Take the FICO Fitness Challenge for 2011!

1.  Your FICO score goal for 2011: EQ -- 760+

2.  Your current FICO score(s): EQ -- 730

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

        1) Get last 2 CA off CR

        2) Credit Gardening


Starting Score: EQ 587 -- TU 646
Current Score: EQ 684 -- TU 763
Goal Score: EQ 720 -- TU 720

 

 

^^^^^^^^^ Whoops, last years (2010) score goals. THIS years (2011) :

 

Starting Score: EQ 730 -- TU 763
Current Score: EQ 730 -- TU 763
Goal Score: EQ 760+ -- TU 800




Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800


Take the FICO Fitness Challenge
New Member
Posts: 5
Registered: ‎08-19-2010
0

Re: Take the FICO Fitness Challenge for 2011!

Hi all -

 

I'm so excited to join the FICO Fitness Challenge for 2011.  Here goes:

 

1.  My 2011 FICO score goal for 2011: 780 (or very close to it)

2.  My current FICO scores: EX 728, EQ 719 (obtained from Chase Bank when I applied for a re-fi), TU 714 (all as of 12/17/10)

3.  The steps I plan to take to achieve my goal: 1. To not apply for any additional revolving credit lines, 2. To reduce my overall utilization from 33% to anywhere between 10-20%, 3. Continue to pay all bills on time (as of current, I have no late pays in my credit history), 4. Try and find a way to not be so "mortgage heavy" 

 

The best of luck to all of us!!!!  :smileyvery-happy:

 



Starting Score: EX 728, EQ 719, TU 714 (12/17/10)
Current Score: EX ???, EQ ???, TU 730 (7/26/11)
Goal Score: All 780 by 12/31/11


Take the FICO Fitness Challenge
Moderator
Posts: 16,422
Registered: ‎07-14-2009
0

Re: Take the FICO Fitness Challenge for 2011!


BaddebtKing wrote:

1.  Your FICO score goal for 2011: EQ -- 760+

2.  Your current FICO score(s): EQ -- 730

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

        1) Get last 2 CA off CR

        2) Credit Gardening


Starting Score: EQ 587 -- TU 646
Current Score: EQ 684 -- TU 763
Goal Score: EQ 720 -- TU 720

 

 

^^^^^^^^^ Whoops, last years (2010) score goals. THIS years (2011) :

 

Starting Score: EQ 730 -- TU 763
Current Score: EQ 730 -- TU 763
Goal Score: EQ 760+ -- TU 800




Hi there.

 

I noticed your post before this one also has all the updated 2011 information. Would you like me to remove this post?

New Member
Posts: 5
Registered: ‎08-19-2010
0

Re: Take the FICO Fitness Challenge for 2011!

Hi....I'm pretty new to this forum.  What does "AAoA" stand for?

 

Thanks in advance.


Starting Score: EX 728, EQ 719, TU 714 (12/17/10)
Current Score: EX ???, EQ ???, TU 730 (7/26/11)
Goal Score: All 780 by 12/31/11


Take the FICO Fitness Challenge
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Take the FICO Fitness Challenge for 2011!

Average age of accounts

 

myFICO forums abbreviations

* 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
New Member
Posts: 5
Registered: ‎08-19-2010
0

Re: Take the FICO Fitness Challenge for 2011!

You're the best.....thanks!


Starting Score: EX 728, EQ 719, TU 714 (12/17/10)
Current Score: EX ???, EQ ???, TU 730 (7/26/11)
Goal Score: All 780 by 12/31/11


Take the FICO Fitness Challenge
New Visitor
Posts: 1
Registered: ‎01-08-2011
0

Re: Take the FICO Fitness Challenge for 2011!

Hi all. I'm new to posting, but have been reading and learning for months. I don't know what my scores were 6 months ago, but I am currently TU:784 and EQ:769.

My goal is to maintain those scores, and see if I can get to 800. The plan is to keep the spending under 8%, PIF every month and let my accounts age.  


Starting Score: 784
Current Score: 784
Goal Score: 800


Take the FICO Fitness Challenge
Contributor
Posts: 101
Registered: ‎05-01-2010
0

Re: Take the FICO Fitness Challenge for 2011!

1. Fico goals 2011:  720's or higher (go big or go home)

2. Current scores: EQ: 652 (lowered after applying to PSECU(?) so that I can get my Experion monthly score; in retrospect that was stupid, but I got caught up in the     madness.  Lesson learned.) Transunion: ?  EX: ? (Will update later)

3. My 2011 goals: payoff my car loan; continue my strong payment habits; more budget paring; clean up a few wrong items on my report; get a house; get accepted to my masters program.  No credit card apping  unless I qualify for a card that helps me with my house when I get it.  Oh, live within my means (constant struggle) which ties into my journey to live the simple life and be happy with less.  Marry George Clooney.

 

Good Luck to everyone for their 2011 goals!


Starting Score: EQ: 589 TU: 594 EX: 589 as of 5/1/10
EQ: 660 TU: 667 EX: 683 as of 3/5/2011 via PSECU
Current Score: EQ: 586 TU: 609 (walmart) as of 10/23/12 EX: 588 as of 9/8/12 Goal Score: 650

Take the FICO Fitness Challenge
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