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Administrator Emeritus
Sarah
Posts: 599
Registered: ‎03-26-2012

myFICO Fitness Challenge for 2013 is live!

[ Edited ]

Happy New Year! 

 

The official myFICO Fitness Challenge for 2013 is underway! Click here to get started, and make 2013 the year you reach your financial goals!

Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: myFICO Fitness Challenge for 2013 is live!

Time to set those new goals!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012

Re: myFICO Fitness Challenge for 2013 is live!

So excited for 2013!

 

My goals: both my and dh scores above 675 by year end- not to far to go on TU. I won't hope for 700s until 2016 when that BK7 finally leaves. It could happen, I know it does, but to me, 675 is great. 

 

Close on our home with no issues- countdown to Jan. 28th, 2013- T minus 26 days!

 

App for one new card for hubby- any suggestions? He has three cards- Capone 3K limit, and then Walmart 600CL and Best Buy 300CL (big range there I know) and I want to get him one more card that is not a store card and with a decent limit. His TU Fico is at 634 right now, but should go up a bit as util is way down since last FICO. I want to app right after we sign the mortgage papers. I would appreciate suggestions on card issuers that give decent limits and use only TU.

 

Begin gardening for the rest of the year on Feb 1, and hope to get those scores at their best. Will likley stay in the garden until 2016. (yikes!!) 

 

Thanks again for all the help and motivation. Happy new year to all! 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: myFICO Fitness Challenge for 2013 is live!

With a BK in the picture, I'd go for a more friendly BK card such as Barclays.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012

Re: myFICO Fitness Challenge for 2013 is live!

I have a Barclays already, 500CL, so I know he would likely be approved. I was *hoping* he could get a card with a better CL. Capital one gave him 2K right off the bat, only 3 years post BK. And they gave him 3K after 6 months of payments. I know he would love to have that NFL logo card but I haven't heard too much of them giving any higher of a credit limit. And our TU Fico's are relatively close, maybe 7 points different. Thanks for the suggestion, and keep them coming! (o: 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: myFICO Fitness Challenge for 2013 is live!

My Barclay's is only at $2500, but I really have no need for anymore right now.  Have you checked the CC forums?  I know there's a thread on there about BK friendly cards.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012

Re: myFICO Fitness Challenge for 2013 is live!

[ Edited ]

Thanks for the tip! I will check it out now! - I don't NEED the higher limit, I just want something that looks better. Did you get 2500 right away or did they up you over time?


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: myFICO Fitness Challenge for 2013 is live!

I just got mine last month.  That is what they gave me as an initial instant approval.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012

Re: myFICO Fitness Challenge for 2013 is live!

Good to know! You have great scores, someday I hope to look at those in my siggy. (o: 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge

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