FICO Fitness Challenge Archive

[jodi27]

To take the challenge, tell us: 

1.  Your FICO score goal for 2011 -            TU 730   EQ 730

2.  Your current FICO score(s) -     5/10     TU 585   EQ 626

                                                           1/11/11  TU 708   EQ 710

3.  The steps you plan to take to achieve your goal - I have both late payment accounts and a paid collection due to be taken of my CRs in 2011.  My CRs will be clean!!  From there I just want to continue to build my credit history with the two  installment loans and keep utilization on the credit cards under 5%.  Hoping later to take out a small home equity loan for home improvements.

[DrBlackBelt]

1.  Goal score for 2011 is 700+ for all 3 bureaus

2.  Current FICO scores are TU 617 and 683 EQ (September 2010)

3.  Pay off one cc with $1k balance.  Continue making regularly scheduled mortgage and student loan payments.  Make sure BK and other baddies fall off CR's.

[4sarahg]

1.  My FICO score goal for 2011 is 750

2.  Current FICO score(s) EXP 652 TU 688 EQ 676

3.  The steps I plan to take is to remove 8 negatives from my credit reports & maintain credit card balances to 0.

[lteek]

1. Your FICO score goal for 2011 - is to be in the 700 club

2.  Your current FICO score(s) EX-611. TU- 617, EQ-644

3.  The steps you plan to take to achieve your goal is to pay off 3 collections that I have left, also there will be a couple of things that will fall off in another 3-4 months. Keep negative items off credit. Pursue a mortgage in 6months and continue to keep up the good credit work.

[Outofajam]

I am not clear on how to sign up for the challenge.  Please advise.

[Outofajam]

1.  My FICO score goal for 2011 is 750 EQ and TU, 850 EX (Vantage)

2.  My current FICO score(s) are 679 EQ, 708 TU, 792 EX (Vantage)

3.  The steps I plan to take to achieve my goal - Keep my debt-to-credit ratio very low, increase my available credit, continue my 4.5 year practice of paying everything ontime. 

[MarineVietVet]

---

Outofajam wrote:

1.  My FICO score goal for 2011 is 750 EQ and TU, 850 EX (Vantage)

2.  My current FICO score(s) are 679 EQ, 708 TU, 792 EX (Vantage)

3.  The steps I plan to take to achieve my goal - Keep my debt-to-credit ratio very low, increase my available credit, continue my 4.5 year practice of paying everything ontime. 

---

Hello.

I moved your latest post here: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Question-about-available-credit-being-too.... I think you'll get more response there.

-marinevietvet, myFICO moderator

[denver133]

Hello all.  Looks like I have a fun 2011 ahead.   Bringing up the scores from divorce last year.    Just paid my balance off on my CC so I should see a bump next month!  

[bluephix]

Sweets you can do it....

[Njoy]

OK...here goes...

1.  My FICO score goal for 2011- 700  on all three CR's for me and my husband.

2.  Current Scores: EQ-608 (1/2010), TU- 643 (11/2010)

3.  Get paid medical debt removed through the HIPPA process; Pay off unpaid medical debt; GW any additional baddies. NOT BE LATE ON ANY PAYMENTS!

I would like to refinance my house this year through the FHA Streamline process, so I need to be diligent.

BEST WISHES TO EVERYONE!!