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New Member
Posts: 2
Registered: ‎07-23-2013

Re: Take the my FICO Fitness Challenge 2014!

Hi everyone, I am a newbie. I have struggled with my credit for 10 years and mostly because I had no idea what the hell I was doing!!!! I have been too this forum many many times and have learned so much form many of you here. I have big plans this year. My bankruptcy will fall off this year and I am going to be a bit more bold and start applying for credit again, a secured credit card to begin with. I have been saving and hopefully I will raise my scores high enough to buy a home. I want a home soooo bad!!!  First question... which secured card out there is there is the best to test the waters with? Good luck everyone!






Starting Score: TU 649 Current Score: , EQ-607, EX-533 Goal Score= 760+ all across the board Goal Score: 700

Valued Member
Posts: 34
Registered: ‎03-06-2013

Re: Take the myFICO Fitness Challenge 2014!

Happy New Year All!


Let me first start by saying I really enjoy these forums and they have helped me tremendously over the past 12 months. When I started rebuilding my credit it was December 2012. I had 1 secured credit card for $1,000 and a $17,500 car loan at %18.25. After 6 months of paying an incredibly high interest rate on my auto-loan, I realized it time to raise my credit score. I sold the car and dipped into savings to pay off that loan.


After 1 year of on time payments, paying off delinquent accounts, and learning about NFCU through these boards I now have:


CFE 'Platinum' CC - $2000

NFCU cashRewards card - $6000

Chase United - $2000

GE Banana Republic - $300


NFCU Autoloan < 7% - $17,000


myFico: 565, EXP and TU (based on CK and is 604 and 615.


My goals through 2014:

* Raise my scores to 680+

* Be approved for an Amex BCR

* Save atleast 20% of my income.

* Achieve 200% portfolio returns ($500 initial investment)


My strategy:

* Never miss payments

* Keep UTIL < 30%

Starting Score: 565
Current Score: EQ: 660 TU: 659 EX: 683
Goal Score: 680

NFCU CashRewards $8,500 NFCU NavCheck: $3,000 CFECU: $2,000 Chase UNITED: $1,500 Chase Freedom: $1,000 Chase Amazon: $500 AMEX Delta: $2,000 (AU) Navy
New Member
Posts: 7
Registered: ‎01-09-2014

Re: Take the myFICO Fitness Challenge 2014!

Hi there everyone!


So a little about how I got to where I am, self-assessment is always the hardest part. I have made a ton of bad decisions in my life, I am lazy when it comes to bills, I have never told my wife that we couldn't do something because of money, and I've tried to keep financial problems swept well under the rug. In 2005 I was young (22) and stupid, making great money in retail management and living to my means. I got married and decided to purchase part ownership in a restaurant franchise with borrowed money, mostly from a private student loan and credit cards, when this flopped I was unemployed and suddenly realized I couldn't pay any of the extravagant bills I was used to. In 2006 I filed for bankruptcy that concluded in 2007. I used that fresh clean start to dig myself even deeper, accepting every credit card offer that came my way, forgetting to pay the bill, getting buried in fees, and eventually letting them default. I've dodged collections several times and found every possible way to mess things up even more. Today, I have a private and a federal student loans in default, the Federal being paid back to a collection agency and the private I am still hiding from like it's the monster in my closet. I have about 21 charge-off's and collections on my credit at the current time, and many many late pays on my car loans (one paid off, one paid off soon.)


That said, I've decided 2014 is the year to make a change. In November of 2013 my mother passed away, and I will be receiving a small inheritance that will allow me to pay off my last car loan and hopefully get a little breathing room in my finances. My wife and I would love to buy a house in December 2014, but it seems like a long road before that is possible. I've put together a little bit of a plan for this, but since I really don't know where to start, I'm here. I hope to pick everyone's brains, and hopefully I won't be too daft to search for the answers first.


I look forward to spending the year with everyone!



Starting Score: TU 512 EX 498 EQ 522
Current Score: TU 514 EX 502 EQ 522
Goal Score: 660
Posts: 89
Registered: ‎01-08-2014

Re: Take the myFICO Fitness Challenge 2014!

Hello and HAPPY NEW YEAR!!


I found this forum about a week ago after doing a Google search for "ways to raise my credit score" and it brung me here Smiley Happy


I've read a lot and learned a lot in just a week LOL but here is a little bit about my situation.


I have had credit struggles for forever seems like.


I have 7 cards:



$2500 limit

$815 balance

APR 23.99%

opened 12/17/2013

Store card since 11/2/10



$2000 limit

$1039 balance

APR 25.49%

Opened: 10/19/2011

$800 transferred to orch/cap1 1/10/14(lower apr of 12.90%)



$2100 limit

$720 balance

APR 0% for 24 months




$1600 limit

$345 balance

APR 22.90%




$1300 limit

$497 balance


Opened 2/15/2006



$500 limit

$416 balance

APR 22.90%

Opened 3/4/2007

PAID IN FULL: 1/9/14



$700 limit

$0 balance

APR 24.49%

Opened 8/2011


my goal is to pay off all of my cards by 3/1/14 and then burn them Smiley LOL


I also have a mortgage, car lease and 2 student loans(monthly repayments). I would like to raise my score to 750+ by the end of the year. I'm not trying to apply for anything, I would just like to have good credit in case I decide to move or need a line of credit etc... any advice or suggestions would be greatly appreciated.


my current scores are:

1/9/14 TRANSUNION 662

1/9/14   EXPERIAN 632

1/9/14   EQUIFAX 649




Trumark signature visa 20K, Nfcu signature visa 15K, Lowes 10K, Care Credit 9K, Old Navy Visa 5K, Walmart 4K, Lord and Taylor 4K, Amex Everyday 2K, Capitol One QS 1,800, Capitol One QS 1K
New Member
Posts: 2
Registered: ‎01-10-2014

Re: Take the myFICO Fitness Challenge 2014!



I am a new member to myFICO and I'm finally being responsible and taking care of my credit issues. In my mid 20's I took on a lot of credit and was not mature enough to pay the bills and let them default to CA out of pure negligance which has made me a terrible credit liabilty, which didn't bother me in my 20's because I was just plan dumb. For the past 6 years I've been dodging my bad credit and the issue out of repairing it out of fear and lack of knowledge on how to repair it.


Recently I've taken some time over the past year to try and right some of these issues but due to most of them going to CA it's been hard for me to resolve a lot of them. I'm hoping that this fourm will be a great place to learn about about what I need to do as well as get some guidance. At this point in my life I am ready to purchase a home and I now have the income to do so but I don't have the credit to get approved and I plan to change that. 


HSBC Credit card deqliquent $400
Captiol One Credit Card $800
Multiple Pay Day loans totalling $1300
Deliquent AT&T $300
Deliquent T-Mobile cellphone $350
Automobile loan for $25,000 (now paid off after being late during the whole 48 month term)
I hope this forum can help out and get me in the right direction. Good luck to everyone. 

Starting Score: 544
Current Score: 606
Goal Score: 700

Take the myFICO Fitness Challenge
New Visitor
Posts: 1
Registered: ‎01-09-2014

Re: Take the myFICO Fitness Challenge 2014!

Hello! I say yes it is very possible! My score was very low (580) about two years ago. I started out with a secured card from Capitol one, then was able to get 2 more unsecured cards over time. My score is now at 682! (Fico). My goal is 800 by years end.


You are on the right track!

Starting Score:580> 800
Current Score:682> 800
Goal Score:800> 850

New Member
Posts: 1
Registered: ‎01-11-2014

Re: Take the myFICO Fitness Challenge 2014!

<hr><img align="left" border="0" width="50" height="50" src=""><font size="2"><font size="1">Starting Score:</font> <b>665</b><br><font size="1">Current Score:</font> <b>665</b><br><font size="1">Goal Score:</font> <b>720</b></font><br><br><font size="1"><a href="_blank">Take the myFICO Fitness Challenge</a></font></code>


I would like to improve my score in order to purchase our first house this summer or later this year.  

Starting Score: 665
Current Score: 665
Goal Score: 720

Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 251
Registered: ‎12-01-2013

Re: Take the myFICO Fitness Challenge 2014!

[ Edited ]



Welcome to the Challenge!  Please tell us about your current credit situation, score, baddies, etc.  What is your goal score and how do you plan to get there?


We look forward to hearing more from you.


Also, recommend you copy/paste your signature HTML code onto the appropriate box under My Settings.

CURRENT SCORES: EQ: 628 (12/14/14); TU: 628 (12/10/14); EX: 636 (12/13/14)--All myFICO
STARTING myFICO EQ SCORE:: 507 (11/2013); GOAL SCORE: 700--(All CRAs); GARDENING SINCE: 10/5/14
Established Member
Posts: 26
Registered: ‎11-28-2012

Re: Take the myFICO Fitness Challenge 2014!

2013 was all about figuring out how to handle money like a real adult.


  • A 1k emergency fund (which was SO necessary, how did I not have this before?)
  • 3k to Roth IRAs (Last year I didn't even know what an IRA was...)
  • Paid off two credit cards in full (about 2k of debt)
  • Opened a new Southwest Card with large limit 
  • Reached year credit score of 670 (and surpassed it!)

2014 Goals Include:

  • Upping the emergency fund to around 1.5k
  • Get another 2k into IRA
  • Pay off at LEAST one more CC
  • Pay off car (putting extra money towards each payment)
  • Continue to save for professional Germany trip so I don't have to put anything on a card! (eta: July 2014)
  • FINALLY make it into the 700 club!

As a grad student on a "stipend" (aka this would be laughable if we called it a salary), it's sometimes hard to accomplish my financial goals. However, the support of this community and the knowledge I gained has allowed me to set reasonable, obtainable goals and I am SO thankful for that. Happy new year!


Starting Score: 624
Current Score: 677
Goal Score: 700

Take the myFICO Fitness Challenge

Take the myFICO Fitness Challenge
New Member
Posts: 1
Registered: ‎01-11-2014

Re: Take the myFICO Fitness Challenge 2014!

Hi Everyone! Happy New Year!

Just came across this today, in my quest to educate myself on how to improve my credit score, and cant think of a better way to stay motivated and learn as much as I can. 


I must admit that I have never been good with money management.  I have just skated by paying bills late, settling for high interest rates, and paying cash for almost everything.  Over the last few years I have been blessed with a wonderful career and a great salary that goes with it!  However I find myself stuck in the same patterns.  But now I feel I am truly ready to get my finances in order.  I have made some changes this past year as far as savings and have increased my 401k contribution.  Now I am ready to work on my credit score.  

Starting Score: 547
Current Score: 547
Goal Score: 650

Take the myFICO Fitness Challenge

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