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Moderator
09Lexie
Posts: 24,489
Registered: ‎09-13-2012

Re: Take the FICO Fitness Challenge for 2012!

Just wanted to update everyone that I received my Withdrawal Notices for the 3 Federal Tax Liens today! I am so happy I could barely see straight in sending the copies off to the three bureaus.  I also opened a new card with WalMart last week with a $700 CL.  

 

I need to correct my earlier post- one of my small collections will fall off this month!  So, I will have the Chapter 13 on EQ and a coll acct that will fall off in Feb! :smileyvery-happy:

 

Hopefully, my score just might get to 700 by November!  So, I will take a breather until my coll falls off this month.  ::smileywink:

Established Member
yo-upacreek
Posts: 29
Registered: ‎02-17-2011

Re: Take the FICO Fitness Challenge for 2012!

Congrats!!!

Contributor
drboxing
Posts: 80
Registered: ‎09-19-2012

Re: Take the FICO Fitness Challenge for 2012!

I'm fairly new, credit scores are around 640, 630 etc. How do I get my scores from the 640's to 670's, from what I've been reading 670-700 is decent. I'm in chpt 13 with 4 more payments to go, then ill get  chpt 13  discharge. Have reestablished credit over the past 4 years, 1 old  charg-off. Any help is appreciated 


Starting Score: TU 614 EX584
Current Score: TU 650/EX 650 (Walmart)
Goal Score: 710


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afk
New Member
afk
Posts: 3
Registered: ‎09-29-2012

Re: Take the FICO Fitness Challenge for 2012!

Congratulations!!!


Starting Score: dismal
Current Score: Equifax 567, TransUnion 609
Goal Score: 650 All


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New Member
SALLIEANN
Posts: 1
Registered: ‎10-08-2012

Re: Take the FICO Fitness Challenge for 2012!

plans to improve fico score is to continue to review creditors and lowering revolving debt.


Starting Score: 760
Current Score: 709
Goal Score: 800


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New Member
luvfran
Posts: 7
Registered: ‎08-01-2007

Re: Take the FICO Fitness Challenge for 2012!

Hi all,

New to this board.  Had a score in the high 600's, nearly 700, when I encountered some medical issues.  Following a lengthy unpaid LOA from my employer, I returned to work to be laid off.  Luckily, I worked just enough P/T hours to qualify for UE, but this has not been enough for us to pay our bills.  We were forced into BK and had to let our home go in foreclosure.

 

We are currently renting a beautiful house that we hope to purchase one day.  The owner will convert our rent agreement to a lease-to-own contract as soon as we say the word.  However, we have little savings and haven't the credit to purchase the home any time soon.  So in a lease we will remain for a while.

 

I had to finance my car at something like 26%.  Now that my BK has been discharged, and my auto loan company is reporting again, I hope to be able to refi that loan soon.  The payoff is something like $7600, and I currently have 62k miles on it.  The loan matures in April 2016, so it would definitely be worth my while to refi ASAP!

 

I have opened one CC since the BK (First Premier- $700 CL), and was able to maintain an open Macy's account through the BK ($100 CL).  Applied for Orchard and C1, but was denied for both.  :smileymad:

 

Tried to pull curent FICOs but am receiving an error stating that I don't have enough history to calculate a score.  I assume this is due to the BK?  It discharged in April 2012.  Perfect payment history since the BK, so I have high hopes of getting my score up quickly.  Any help or advice would be MOST appreciated!!!!

 

 


Starting Score: UNKNOWN
Current Score: UNKNOWN
Goal Score: 700


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New Member
babycakes
Posts: 3
Registered: ‎07-31-2012

Re: Take the FICO Fitness Challenge for 2012!

Greetings All:

 

I am new to this.  I filed bk13 in 2006.  I was able to pay it off 6 months earlier than expected (Dec. 2011).  When I went to purchase a home (Dec. 2011), I was told I had to wait for 12 months after discharge.  Now, I am within months of wanting to purchase a home and now I am being told 2 years.  Needless to say, I picked myself up and decided I would start with purchasing me a much needed car.  I was able to obtain a loan with Capital One.  Within 4 months, I was able to refinance my car with my credit union for 6%.  That is over half what I purchased it for with Cap 1.

 

I would like to get my scores in the 700's by 2013. 

 

Here's to the future of owning my own home again and being financial savvy.

 

:-)


Starting Score: 629
Current Score: 629
Goal Score: 700


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Member
brooksbaby35
Posts: 8
Registered: ‎10-08-2012

Re: Take the FICO Fitness Challenge for 2012!

on my way to credit success...


Starting Score: EX=508 EQ=483 TU=507 ON 2/8/2012
Current Score 10/8/12: EX=542 EQ=530 TU=564. CURRENT 11/28/12 EQ-595, EX-632, TR-592
Goal Score: 700 across the board


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Member
brooksbaby35
Posts: 8
Registered: ‎10-08-2012

Re: Take the FICO Fitness Challenge for 2012!

I will be attempting to get a mortgage in 3 months.  I got a couple of secured cards and a store credit card.  I wish I started to get my credit health straight earlier in the year.  I am so excited in the improvement in my score since July.  I unfortunately pulled a score in February but didn't act until July.  Lack of knowledge.  But now I am on the right track.  I really want to get to 640 as quickly as possible.  Paying bills on time, paying my cards off before their statement dates, and just watching my spending.  I know it will take time but I hope I will see 640 before end of the year.  Any suggestions?


Starting Score: EX=508 EQ=483 TU=507 ON 2/8/2012
Current Score 10/8/12: EX=542 EQ=530 TU=564. CURRENT 11/28/12 EQ-595, EX-632, TR-592
Goal Score: 700 across the board


Take the FICO Fitness Challenge
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Take the FICO Fitness Challenge for 2012!

Hi everyone!

 

I have been a lurker for many years here. Regardless, I just signed up for SW. In years past I always had mid 600 credit scores, only negative was one 30 day late in 2004 which just dropped off. I am currently at 717EQ and looking to build up to high 700's. My biggest issue is high utilization, around 80%, however I should be bringing that down to 40-50% by next month.

I know it's a great community here and look forward to participating more!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13

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