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Take the myFICO Fitness Challenge for 2012!

Re: Take the FICO Fitness Challenge for 2012!

Officially getting started four months into the year -- wishing everyone luck on their goals this year!

 

 

Message 491 of 1,051
Established Member

Re: Take the FICO Fitness Challenge for 2012!

Life is good. Scores went up quite a bit this week with paying off long delinquent CapOne CC. Had a few COs taken off reports as well but the credit card payoff is what bumped it up. Working hard to get under the $25K threshold to get these tax liens withdrawn and removed from my CR and then expect to go over 700 by end of the year! Learned so much from the folks on this site and the info. great community sharing...keep it up!

Starting Score: EX516
9/2011 EQ 577, TU 581, EX 590
Current Score 5/2012EQ 697,TU 667,EX (FAKO) 672
Goal Score 2012 all 660+

Take the FICO Fitness Challenge
Message 492 of 1,051
New Member

Re: Take the FICO Fitness Challenge for 2012!

I'm new here also. Just trying out this signature thing. I think it's a wonderful way to see how far you've come!


Starting Score: 567
Current Score: 598
Goal Score: 700


Take the FICO Fitness Challenge
Message 493 of 1,051
Frequent Contributor

Re: Take the FICO Fitness Challenge for 2012!


BigDaddy18 wrote:

Tubesock yes I know your one of the ones that helped me out on this thank you very much for your help I really do apprciate it!

 

I like the fact that everyone is helping everyone else out on this forum it's great!


You're welcome...

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 494 of 1,051
Frequent Contributor

Re: Take the FICO Fitness Challenge for 2012!


Chiguy411 wrote:
Life is good. Scores went up quite a bit this week with paying off long delinquent CapOne CC. Had a few COs taken off reports as well but the credit card payoff is what bumped it up. Working hard to get under the $25K threshold to get these tax liens withdrawn and removed from my CR and then expect to go over 700 by end of the year! Learned so much from the folks on this site and the info. great community sharing...keep it up!

Good job!

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 495 of 1,051
Frequent Contributor

Re: Take the FICO Fitness Challenge for 2012!


mungojerrie wrote:

I'm new here also. Just trying out this signature thing. I think it's a wonderful way to see how far you've come!


It is...Good luck!

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 496 of 1,051
Highlighted
New Member

Re: Take the FICO Fitness Challenge for 2012!

Thank you! Smiley Happy

Starting Score: 567
Current Score: 598
Goal Score: 700


Take the FICO Fitness Challenge
Message 497 of 1,051
Established Member

Re: Take the FICO Fitness Challenge for 2012!

Thanks Tubesock!

Starting Score: EX516
9/2011 EQ 577, TU 581, EX 590
Current Score 5/2012EQ 697,TU 667,EX (FAKO) 672
Goal Score 2012 all 660+

Take the FICO Fitness Challenge
Message 498 of 1,051
New Member

Re: Take the FICO Fitness Challenge for 2012!

Hello everyone,

 

(I'm new here and I didn't see a way to do a new post in here so I just clicked Reply to the first one, hope thats alright.) 

 

Anyhow, what prompted me to come back on here again was I noticed that my credit score after many years suddenly shot up to 715, at least as far as Experian is concerned.  I used to get FICO scores in the past but found that I wasn't really seeing a positive change in my scores and the monthly fee was a bother, so I cancelled.  

 

Now after being unemployed for 2 months, and facing possible eviction out of a home thats being foreclosed on soon, I am trying to get my debts cleared and get my scores UP.  

 

I have 13 credit cards/lines of credit, 1 of which is inactive/closed by lender.   I have an auto loan that is 6.79% and I haven't been late or missed any payments yet.

I pay everything online for the past 10+, which has helped me greatly in being on time.  

I have a student loan and no degree, $17,000+.  Numerous doctor bills and old collections.  Total debt is around $40k.  (I don't own the house I live in, my friend of some 15 years does.)

 

I have been using 3 spreadsheets to track and analyze my bill paying progress, and I've found one to be helping me dramatically of late.  It's my  "Bills Over 50% Max Balance" spreadsheet.  I take the credit limit, divide it in half, subtract that from my current balance and come up with an amount to pay in order to get it under 50%.  Then I tack on the average monthly interest to that amount, and if I have the money in my checking account, I go pay it.  Oh yeah, it also helps not to make any new purchases. Man Happy

 

I think this process is what shot my Experian score up from the mid 600's to 715 this month.   I have 5 more accounts to apply this to and then this spreadsheet will not be needed anymore, down to just 2.  

 

Today I am going to call up each creditor and see if they can drop the interest (again) so I can fastrack my goals.  We'll see...

 

I have a question about which product I should purchase to obtain my pertinent scores, the most economical yet effective choice obviously, I don't want this to cost me too much, trying to survive off of unemployment here!

 

Also, any advice on the foreclosure stuff for my friend (and ultimately me) would be greatly appreciated.  I have heard of NACA, but I'm seeing mixed reviews online.  Your feedback is appreciated and welcomed.  

 

 

 


Starting Score: 619 TU, 616 EQ
Current Score: 619 TU, 616 EQ
Goal Score: 750


Take the FICO Fitness Challenge
Message 499 of 1,051
New Member

Re: Take the FICO Fitness Challenge for 2012!

Ouch, got anxious, just checked it, and without further ado...

TU 619, EQ 616

 

Yikes.  Gulp.  And shucks.  WTH is Experian talking about then? (715) 


Starting Score: 619 TU, 616 EQ
Current Score: 619 TU, 616 EQ
Goal Score: 750


Take the FICO Fitness Challenge
Message 500 of 1,051