FICO Fitness Challenge Archive

[BaddebtKing]

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

[awal]

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.

[BaddebtKing]

01-08-2011 08:55 AM

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

[MsRefined1]

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!!!!  

[MarineVietVet]

---

BaddebtKing wrote:

01-08-2011 08:55 AM

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?

[MsRefined1]

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

Thanks in advance.

[haulingthescoreup]

Average age of accounts

myFICO forums abbreviations

[MsRefined1]

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

[JustLisaC]

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.  

[indiasnowden]

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!