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New Member
Doobarbus
Posts: 4
Registered: ‎10-16-2012

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


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Established Member
gadget08
Posts: 15
Registered: ‎10-01-2012

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>

Established Member
0errant
Posts: 30
Registered: ‎03-01-2011

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:702 EFX, ??? TRU, 720 XPN
Goal Score: 820+ for all three


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Regular Contributor
Unique620
Posts: 233
Registered: ‎10-03-2009

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
fairclok
Posts: 79
Registered: ‎10-03-2012

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
creditnocash
Posts: 2,188
Registered: ‎07-23-2012

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 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
fairclok
Posts: 79
Registered: ‎10-03-2012

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
makingmyway
Posts: 2
Registered: ‎10-22-2012

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
JustinNguyen
Posts: 99
Registered: ‎10-20-2012

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
makingmyway
Posts: 2
Registered: ‎10-22-2012

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

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