Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 27
Registered: ‎07-14-2015

Re: March 2016 Check In Thread

I'm pretty new to the board, but my first pieces of advice would be to skim the boards for info and don't hesitate to ask for advice when you have a question. There appear to be a lot of knowledgeable, experienced posters who are ready to share their knowledge.

 

Personally, skimming these boards has become a hobby for me while I continue to work on my credit. 


Starting Score (3/7/2016) 648 EX 631 TU 620 EQ
Current Score (3/18/2016) 699 EX 679 TU 672 EQ
Goal Score: 700


Take the myFICO Fitness Challenge
New Member
Posts: 1
Registered: ‎03-05-2016

Re: March 2016 Check In Thread

Hi Everyone,

 

I'm new to this and I've never had good credit before in my life.  For the first time I have strted working on it and now I'm above a 600.  My goal is to have credit worthiness of $2000-60K or over by the end of year.  I've never had a credit card more than $500 in my life.  But I'm glad I found this site and I believe the plethora of knowlegde here, will help guide me along the way. 

 

I've helped many people clear their credit and wondered why I never worked on mine.  And the reason was I never had a good image of myself regarding credit.  Once I changed how I saw myself on the inside, my actions started manifesting on the outside.  I will keep posting my progression and if anyone has any advice they can pass along, i would greatly appreciate.

 

And by the way, the credit I establish will not be used to get in debt, because I don't really don't owe anyone, but my car payment ($6000 left) and my Capital One card ($60 balance) which will be paid off tomorrow.

 

Thanks in advance for any information...

Start Score: EQ 561, TU 558, EX 560 3/09/16
Current Score: EQ 652 3/26/16, TU 634, 3/24/16, EX 656 3/19/16

Goal: 720+
New Member
Posts: 2
Registered: ‎02-25-2016

Re: March 2016 Check In Thread

First post on myFico - I have been lurking for almost four months now and in those four months I have used all that I have read in various forums to increase my credit worthiness. My ultimate short term goal is to have 0%-5% utilization across the board and ultimate longterm - knock this student loan down by half. 

 

Just want to say that the myFICO forums have been the biggest inspiration for me to get my act together (financially), I am so happy I joined.

 

 

Starting Score: TU 606 EQ 606 EX 583
Current Score: TU 624 EQ 633 EX 615
Goal Score: 750+
Regular Contributor
Posts: 233
Registered: ‎12-24-2015

Re: March 2016 Check In Thread

Well this month is not going to end like I had hoped ;( I applied for a consolidation loan from my credit union and they not only hit me with 2 hard pulls but denied me the loan of course you know I disputed that. So I'm looking forward to a much better April and May ~~>still only 2 baddies but my balances are a little high ~~> I'll get there I'll get there. Ex 638 TRansUnion 631 Exquifax 631 ~~> 🌸🌸🌸🌸🌸🌸🌸 back to the garden 🌸🌸🌸🌸🌸

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.