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Established Member
Posts: 34
Registered: ‎07-22-2011
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Re: Take the FICO Fitness Challenge for 2011!

1. My goal is to have a FICO score of 620

2.  My current FICO score is 548 (EQ) and 578 (TU)

3.  I'm busy getting negative marks off my credit report and applied and received four new lines of credit. I plan to keep them 10% or under and PIF each month.

2012 - THE YEAR OF HOMEOWNERSHIP!
"Keeping my eye on the prize"
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New Member
Posts: 2
Registered: ‎07-30-2007
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Re: Take the FICO Fitness Challenge for 2011!

 

1.  Your FICO score goal for 2011: 700

2.  Your current FICO score(s): 617

3.  keep my credit cards under 30%

 

After my divorce, I max out all my credit cards and fall behind on payments, getting back on my feet now, all debts are already pay, and dont use credit cars at least is absolutely necessary 


Starting Score: 618
Current Score: 644
Goal Score: 700


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Valued Member
Posts: 39
Registered: ‎07-22-2011
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Re: Take the FICO Fitness Challenge for 2011!

 

1. At least 700 for all 3 bureaus

2. TU 672 and EQ 668

3. Keep making payments on student loan and  use my paypal credit line to try raise my scores


Starting Score: TU-626/EQ-???/EX-686
Current Score: TU-672/EQ-665/EX-716
Goal Score: 780


Take the FICO Fitness Challenge
New Visitor
Posts: 1
Registered: ‎07-24-2011
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Re: Take the FICO Fitness Challenge for 2011!

[ Edited ]

CURRENT SCORE: 614
GOAL SCORE for 2011: 700

 

Steps I will take:

  • Pay down existing balances to under 20% of revolving credit
  • Continue to keep my payments current
  • Don't apply for any new credit for the rest of this year
New Visitor
Posts: 1
Registered: ‎07-24-2011
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Re: Take the FICO Fitness Challenge for 2011!

1. I haven't looked at my credit score for years and didn't realize it had dropped so low.  518/561  tu &eq.

2.my first goal is 575/600  and 650/700 before I turn 50.   7/2013

3.I'm going to do some research and hard sacrificing   maybe gas to get to work and a little food to eat.

Contributor
Posts: 79
Registered: ‎05-04-2011
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Re: Take the FICO Fitness Challenge for 2011!

Sweet... 71 points since December. 46 points just in the past six weeks. I think I can do this.....




Starting Score: 594 (Dec 10, 2010)
Score: 758 (March, 2013
Goal Score: 730 on all (by end of 2012)

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New Member
Posts: 10
Registered: ‎07-25-2011
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Update to my FICO Fitness Challenge for 2011!

[ Edited ]

I am quite annoyed at this point because even though I've gotten my three credit scores through freecreditreport.com, I've just checked my Equifax on myfico.com and it's a good 80 points lower than the Equifax score on freecreditreport.com. how are we supposed to know what scores are actually real and what scores are not? It's criminal how credit reporting agencies are allowed to arbitrarily adjust their numbers any which way they want without having to spell out to the consumer how they do it - and the consumer is the one who is affected by this awful system.

 

On August 2, 2011 freecreditreport.com stated my scores are as follows:

Ex: 634

Eq: 634

Tr: 634

 

On August 12 myfico.com stated my Eq score is 550.

 

I honestly don't know what my scores are at the moment because of this and frankly, that's BS.

 

On a more positive note, Citibank has generously agreed to request that their inquiry be dropped from Ex, Eq, and Tr. Thank you, Citibank.

 

Current Scores:

Experian:       565

Equifax:         565

TransUnion:   634

 

I haven't got the foggiest idea why TransUnion is so much better.

 

My Action Steps:

1. Reduce my Debt Ratio to less than 9%

2. Raise Credit Limit on my Visa to $5,000.00

3. Write Letters to have charge-offs removed - willing to pay to be removed if necessary

4. Automate loan and credit card payments so that keep all payments current

5. Obtain new installment loan with Chase healthAdvance when credit score reaches 670

6. Obtain secured MC for $3,000.00

 

Any other ideas? I currently have:

One Visa with $1,850.00 credit limit (13% open credit) one 30 late (within last 6 months)

One installment loan paid on time for the last 12 years ($9,000.00 yet to pay

Four accounts in collections (hope to have these removed via letters)

 

 

 


Starting Score: EQ550 EX540 TU 548
Current Score: 8/11 EQ550 EX540 TU548
Goal Score: 850



11

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New Member
Posts: 1
Registered: ‎09-12-2009
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Re: Take the FICO Fitness Challenge for 2011!

Going to make the best out of the time we have for the rest of the year <3 A failed business and bad credit be gone!

 

1.  Goal score for the remainder of 2011 is at least 600 for all 3 bureaus

2.  Current scores are TU 482, EQ 560, EX 550

3.  Get caught up, make payments on time, pay down school loans


Starting Score: 550
Current Score: 550
Goal Score: 650


Take the FICO Fitness Challenge

New Member
Posts: 1
Registered: ‎07-26-2011
0

Re: Take the FICO Fitness Challenge for 2011!

[ Edited ]

Goals:

  1. Reduce the balances on my revolving credit accounts in comparison to their credit limits
  2. Have a balance of credit and loan accounts. Strive to build a record of responsible credit use over time, incorporating a diversity of accounts.
  3. Raise the available credit on my open bank credit card accounts
  4. Reduce the number of inquiries on my credit report.
  5. Establish a healthy amount of available credit .

Starting Score: 596
Current Score: EQ 596, TU 595, EX 610
Goal Score: 700


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

Re: Take the FICO Fitness Challenge for 2011!

UPDATE:  I started this task at the very beginning of 2011 and as of today my TU score increased 16 points.  I initially had a lofty goal of increaing my TU score to 780 but don't think this is possible after checking out myFICO's score simulator.  It's saying my max score will be 760 at the end of 2011.  Also, I may have to appy for a (pre-owned) auto loan which may make my y/e score more like 730 (where it is now)!  Oh well, we'll see.....at least my interest rate will be <3% APR.


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
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