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Established Member
Posts: 37
Registered: ‎04-12-2017

Re: Take the myFICO Fitness Challenge 2017!

Sorry if this ends up being a double post but I don't know what happened to my first reply, darn thing disappeared into thin air.


I started my credit journey a couple years ago, back then I had credit. Banks hissed and spit at me, analysts turned me down flat, CSR's rolled their eyes whenever I apped. I was denied over and over again for being a ghost, file too thin. 

Despite this I refused to give up and after months of trying I finally got a chance from Cap1, they were my first card. I was actually managing my credit pretty responsibly and managed to add a few prime cards to my repertoire. And then I made the unwise decision to help out family, I won't bore you with details but it ended badly for me. Leaving me to bear the brunt of thousands of dollars of credit card debt. 

I was lucky that I made enough money at the time to at least cover minimum payments, but it's been a long arduous road to get back on track and pay most of them down to a $0 balance.

My goal for 2017 is to:

  • Pay off my last remaining card, then continue to pay all balances in full every month. 
  • Wait for my inquiries to fall off 
  • Allow my AAOA to continue to age
  • Not apply for any new credit(Not that I need it tbh)

Long term I'm hoping to raise my credit high enough to qualify for a low interest auto loan in 2 years, at which point I'll be buying out my lease.


Starting Score: 615
Current Score: 634
Goal Score: 734

Take the myFICO Fitness Challenge
New Visitor
Posts: 2
Registered: ‎04-23-2017

Re: Take the myFICO Fitness Challenge 2017!

This is my first time doing this and I don't know where to begin.


I'm 35, divorced with 5 little people, and a teacher.  


My main goal is to purchase a home for us.  To do this, I need a much better FICO. So my goal is to get my score into mortgage territory.  



Starting Score: Ex 589 TU 574 Eq 576
Current Score: Ex 589 TU 574 Eq 576
Goal Score: 650

Take the myFICO Fitness Challenge
Posts: 10
Registered: ‎07-20-2013

Re: Take the myFICO Fitness Challenge 2017!

[ Edited ]

late to the challenge, but already set my goal earlier this year. I started with 512 and I am very happy to report I am now in the mid 600 range. It took me a while to get it, but I am here and dont plan on leaving.


I did not meet my goal of 733 last year, so I am sticking with it again this year - 2017 Goal, 733 across the board. 

Starting Score: 512
Current Score: 650
Goal Score: 733 across the board

Take the myFICO Fitness Challenge

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