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Posts: 5
Registered: ‎01-04-2015

Re: Take the myFICO Fitness Challenge 2017!

New member here,

 

I think this is my first post ever.


I had to learn what credit was on my own, this meant that I would make many many mistakes. I have come to lear to take care of it and manage it ok I think. I get upset the times I forget or miss a due date now. Some times get depressed because of missing a due date. Anyways, now I have accomplished alot since I first started on this 3 year quest to be more responsible with my credit use. I have had many inquries. My goal is simple I would say.

1- Limit my inquries ( I am looking to lease a vehicle, I hope to complete this and be done) I just learned what being in the garden is, so this is what I plan to do right after

2 - Pay all of my bills and credit cards on time and keep my utilization between 5% to 6% since through a old post I did this and beat the odds that lenders had for me to raise my credit score 100 points.

3 - Continue to learn more and more about the current cards that I have, reaching out to my credit card issuers to ask if they have a CL increase pending for me ( want to limit inquries)

4 - Garden and Garden and Garden. I want to age my current cards and some of the newer ones that I received.

 

 

Current scores: 

 

I started in the high 400!!

 

FICO® Score 8

Experian 649
Equifax 694
TransUnion 677

WellsFargo Platinum(Secured): $500 - First Premier Bank Platinum: $625 - First Premier Bank Platinum: $700 - Discover it: $800 - CapitalOne Platinum (Secured): $1001 - CapitalOne Quicksilver One: $4,500 - Amex EveryDay Card: $10k - CapitalOne Venture One:?? Pending
Starting Score: Experian 450 - Equifax 420 - TransUnion 405
Current Score: Experian 649 - Equifax 694 - TransUnion 677
Goal Score: Experian 720 - Equifax 720 - TransUnion 720


Take the myFICO Fitness Challenge

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