Reply
New Member
Posts: 4
Registered: ‎10-16-2012
0

Re: Take the FICO Fitness Challenge for 2012!

Having less than stellar credit for some time is quite tiring, so I'm really going to step up my game now.

 

I have one large Citi credit card charge off  of 14k (10k original principal before going delinquent and Citi taking on 4k in interest) that I need to address.

 

I also have a Chase Card that I'm on a payment plan for 5 years and am down to 666. I plan to pay that off in one shot. (Note: I've paid on time for all three years so far and it shows a great payment history. The credit line is closed, but Chase said this plan would help me by appearing as a positive on my credit report. Yet, FICO is telling me it is a red flag?)

 

I learned that after a charge-off it is best to go back to the original creditor and negotiate for cents on the dollar in exchange for their reporting as "Paid as Agreed". It seems that in recent years reporting has changed whereby this really doesn't do any good. I'd like to hear what you think?

 

I would love to see what others have done to get a quick boost to their scores like applying for and getting store credit. Which stores are good and are almost guaranteed to extend credit?

 

Let's go!


Starting Score: 8/2012 FICO EXP651
Current Score: 651
Goal Score: 730


Take the FICO Fitness Challenge
Established Member
Posts: 15
Registered: ‎10-01-2012
0

Re: Take the FICO Fitness Challenge for 2012!

<hr><img align="left" border="0" width="50" height="50" src="http://ficoforums.myfico.com/fico/i/custom/FFC_Icon.gif"><font size="2"><font size="1">Starting Score:</font> <b>637</b><br><font size="1">Current Score:</font> <b>660</b><br><font size="1">Goal Score:</font> <b>750</b></font><br><br><font size="1"><a href="http://goo.gl/m10uw">Take the FICO Fitness Challenge</a></font>

Valued Member
Posts: 41
Registered: ‎03-01-2011
0

Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]

I'm back in it, albeit late! I went from low 500's (post-divorce) to 728 EFX, 710 TRU, 724 XPN as of last April. Bought another house and have come down to 702 EFX (haven't checked the others). I need to bring this up! My goal last year was to get above 800, and I'm sticking to it.

 

My plan is to get first house paid off, credit cards down, and exH's stuff off my report!!

 

ETA: Just checked EXP through Credit Sesame and it's 720. Now to find out TRU! Any way to do that free?


Starting Score: 528
Current Score:822 DISC, 788 EFX, 849 TRU, 819 XPN
Goal Score: 850+ for all three


Take the FICO Fitness Challenge
Regular Contributor
Posts: 233
Registered: ‎10-03-2009
0

Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]
 
Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Contributor
Posts: 79
Registered: ‎10-03-2012
0

Re: Take the FICO Fitness Challenge for 2012!

I'm looking for advice on what type of credit card i can get with

 

Exp 655

TU  615

Equ 650

 

I currently have Orchard Bank at $300 for approx 6 months.   Pay off 90% each months so only left with 10% revolving.  

I have 1 school loan for $10k - current for 3 years.   

 

i have approx 7 negative listings on my report, but they were all paid in full and closed approx 5 years ago. 

 

After many years just living off debit card, I felt it was time to build credit.     

 

I'm looking to apply for a card where i most likely will not get rejected.

 

Thanks,

 

Keith


Starting Score: Sept. 2012 EX FAKO 601; EQ FICO 603; TU FICO 607
Current Score: Feb 2014 EX FICO 749; EQ FICO 744; TU FICO 763
Goal Score: 760 on all 3


Take the FICO Fitness Challenge

Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Take the FICO Fitness Challenge for 2012!


fairclok wrote:

I'm looking for advice on what type of credit card i can get with

 

Exp 655

TU  615

Equ 650

 

I currently have Orchard Bank at $300 for approx 6 months.   Pay off 90% each months so only left with 10% revolving.  

I have 1 school loan for $10k - current for 3 years.   

 

i have approx 7 negative listings on my report, but they were all paid in full and closed approx 5 years ago. 

 

After many years just living off debit card, I felt it was time to build credit.     

 

I'm looking to apply for a card where i most likely will not get rejected.

 

Thanks,

 

Keith


i would say a secured card with a 2k+ deposit if you have the funds for it. 

the more you put down the better... 

but 500 would do just fine as well. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Contributor
Posts: 79
Registered: ‎10-03-2012
0

Re: Take the FICO Fitness Challenge for 2012!

thanks for the reply.   I was considering a secured card, but was also interested in unsecured credit similar to my orchard bank card.      so i wouldn't have to lay out the funds.    if its necessary to do that, i will, but still wanted to research the alternative. 

 

thank you again.


Starting Score: Sept. 2012 EX FAKO 601; EQ FICO 603; TU FICO 607
Current Score: Feb 2014 EX FICO 749; EQ FICO 744; TU FICO 763
Goal Score: 760 on all 3


Take the FICO Fitness Challenge

New Visitor
Posts: 2
Registered: ‎10-22-2012
0

Re: Take the FICO Fitness Challenge for 2012!

Hi all, I am soo happy that I have found this forum. I don't feel terrible anymore about my credit score knowing that so many others are going through the same thing. My credit score was never a good one as I had many medical bills and lacked the insurance to take care of it. After a number of years of being denied credit, I requested the that the negative information reported on my credit history be removed as soo many years had passed and the information was still being reported. SO here I am in 2012 with a credit score that allows me to obtain credit cards (fair credit). My future goals include purchasing my first home and a car (not in that order :smileyhappy:) as I continue to make timely payments on the credit that has been extended to me. I am looking forward to reading about everyone's success story! good luck to all!


Starting Score: 541
Current Score: 635
Goal Score: 750


Take the FICO Fitness Challenge
Contributor
Posts: 99
Registered: ‎10-20-2012
0

Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]

Start with 702 fico score EQ. 2 years credit history.just add 1 family 9 year credit to credit report.. Try to raise to 760 fico score.

New Visitor
Posts: 2
Registered: ‎10-22-2012
0

Re: Take the FICO Fitness Challenge for 2012!

Thank you JustinNguyen, will do!


Starting Score: 541
Current Score: 635
Goal Score: 750


Take the FICO Fitness Challenge
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 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.