Credit Cards Center Credit cards from our partners
New Member
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

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 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.