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New Member
Posts: 3
Registered: ‎01-13-2011

Re: Take the FICO Fitness Challenge for 2012!


Starting Score: 585
Current Score: 615
Goal Score: 750

Take the FICO Fitness Challenge
Regular Contributor
Posts: 158
Registered: ‎07-31-2008

Re: Take the FICO Fitness Challenge for 2012!

Starting this off a little late in the game.  I'm hoping to have a better 2013 financial year!.  I'm just tired and embarrassed of my credit going up and down.  I'm ready to grab the bull by the horns so to speak and get my finances in order.  I recently had twins and this living pay check to pay check is getting quite old. Along with these mediocre credit limits.  I'm hoping by 2013 to put these cards past me and be in a better position. 

Best Buy 300 CL

Capital One Secure 300 CL

First Premier Visa 400 CL

Macy's Reward 400 CL

Orchard Bank 450 CL

Credit Union CC 500 CL

Household Bank 500 CL

First Premier Master 550 CL

Capital One Rewards 750CL

Wells Fargo Financial 2000 CL


Time to Garden!!
EQ 703 TU 752 EX 711 as of 07/19/2014. In the garden until 01/19/2015. Baby steps, baby steps!! Trying for 750 ACROSS THE BOARD.
Posts: 97
Registered: ‎12-04-2012

Re: Take the FICO Fitness Challenge for 2012!

Kind of joining in late but just signed up for the forums and decided to take part in the challenge! Testing out the sig also Smiley Wink

EX 690 ( 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700

New Member
Posts: 2
Registered: ‎07-26-2012

Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]

Bankruptcy after divorce discharged in 4/2009 maybe 2/2010 as this is the final date listed on credit report

I have 4 collections on my report I would like removed 

my scores

576 TU

591 EQ

I am paying everything on time 

I have several credit cards to rebuild credit

car loan paying on time, house rent paying on time

school loans in deferment since I am in graduate school right now


My goal is to get a 620 or higher as I would like to purchase a house

Starting Score: 576
Current Score: 591
Goal Score: 620

Take the FICO Fitness Challenge
New Member
Posts: 2
Registered: ‎07-26-2012

Re: Take the FICO Fitness Challenge for 2012!


Starting Score: 576
Current Score: 591
Goal Score: 620

Take the FICO Fitness Challenge
New Member
Posts: 4
Registered: ‎11-04-2012

Re: Take the FICO Fitness Challenge for 2012!

Determined to stay the course. I am totally dedicated to repairing my credit and increasing my credit score. I am doing it ONE DAY AT A TIME.  Patience, patience and some more patience, plenty of prayers and discipline/sacrifice, that's my daily antidote to resolve this issue.

Fired up!!!
Frequent Contributor
Posts: 447
Registered: ‎12-05-2012

Re: Take the FICO Fitness Challenge for 2012!

Testing my signature out! 


I'm too late for the 2012 challenge but I am in it to win it for the 2013 challenge!  

I'm whipping my credit score into shape once and for all! And I'm doing a Debt Snowball (see Dave Ramsey's teachings on Google). I'm cheering for all of you -- you've been my inspiration over the past month. I've been gathering information and doing on the research that I can do in order to move forward successfully. 


Hoping for a 680 by the end of 2013 challenge, but I really want a 750 across the board!! Smiley Happy


Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Administrator Emeritus
Posts: 599
Registered: ‎03-26-2012

Re: Take the FICO Fitness Challenge for 2012!

TNTransplant wrote:

Just a quick post to let everyone know that I met my FICO Fitness Challenge goals for this year (see signature for details).


I can't wait to start the 2013 Challenge.  

That's great! Congrats on your achievement!

Established Member
Posts: 10
Registered: ‎06-28-2008

Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]

Started a about a year ago after alot of debt and bad credit from years ago. Looking to make that all better for good.


Cap One---500    no balance

Cap One Rewards---750   no balance

Orchard---300    thinking of closing  no balance

Credit One---875   no balance

Merrick---500  no balance

Barclays NFL---500 no balance--just opened

Walmart---500 no balance---just opened

Discover More---1200 no balance---just opened

Chase Freedom--- 1000 no balance---just opened

wells Fargo auto--22000 15500 balance


2 bad medicals paid sent letter to remove

1 bad card from 2007 updated 2010 on credit report $461


I was able to get a lot of things removed from my cr with letters I found on here as PFD and good will. Thanks for the help.

I have been hovering here for a year or so. When I started my scores were all low 500's


Starting Score: 637 EQ 646 TU 663 EX
Current Score: 658 EQ 658 TU 663 EX
Goal Score: 750

Take the FICO Fitness Challenge
Established Member
Posts: 17
Registered: ‎07-13-2012

Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]


20 years $21,000 Principles, $29,000 Fees, Collections
TOTAL $50,000


AMEX Business Platinum 1/2004-2/2007 $2,700 (Taken off Equifax, just disputed to take off Transunion),

Capital One 5/2004 $1,600,

Capital One 7/2004 $1,070,

HSBC Bank 5/2003 $1,045,

Merrick Bank 6/2006 $1,500,

Winthrop Hospital Medical Bill 3/2008 $5,592 (in circuit court ,will be off reports in 1/2015, along with two Capital One Civil Judgements of 12/2015 and 1/2016)
TOTAL $10,807


Had about 4 or 5 credit cards from the early 1990's TOTALING about $13,000 that I defaulted on and came off my reports around the year 2003.


JC Penny 3/2006 CL $100,

Fingerhut 11/2007 CL $400,

HSBC (Now Cap One, $37 annual Fee) 12/2010 CL $300,

First National Credit Card ($75 annual Fee) CL $1,050,

Capital One 6/2012 ($19 annual fee) CL $300,

Lord & Taylor 6/2012 CL $300,

Walmart 6/2012 CL $150


Owe $55 on HSBC (Now Cap One), $16 Lord & Taylor

Had a TOTAL 10 hard pulls on my report since 4/2011
Had 5 since 6/2012
Last Hard Pull 7/31/2012


Also opened up 3 AMEX (non-Credit Agency Reporting) accounts to get back in good standing with them. AMEX Serve (11-2012) $5 , AMEX Debit Card (11-2012) $40 and American Express Savings (6-2011) $5 (plan on applying with them again in 2013).


Walmart FICO 606


Currently self employed, but low income. When I get the opportunity to pay off what I can I aim to get re-employed to a higher income and start removing debts.

Starting Score:(11/11/2012)604
Current Score:
FNBO EX (9/05/2014)682, Credit Karma (10/07/2014)699,Equifax (08/12/2014)742
Goal Score:850 Gardening 8-25-2014

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