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Take the myFICO Fitness Challenge for 2012!

New Member

Take the FICO Fitness Challenge for 2012!

Testin

 

Goal to purchase home in 2013!!

 

 

 

<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>EQ 557 TU 604</b><br><font size="1">Current Score:</font> <b>EQ 557 TU 604</b><br><font size="1">Goal Score:</font> <b>EQ 700 TU 720</b></font><br><br><font size="1"><a href="http://goo.gl/m10uw">Take the FICO Fitness Challenge</a></font>


Starting Score: EQ 591 TU 609 EX 583
Current Score: EQ 583 TU 625 EX 612
Goal Score: 700


Take the myFICO Fitness Challenge
Message 1011 of 1,051
Frequent Contributor

Re: Take the FICO Fitness Challenge for 2012!

I'm right there with you Dee!  Joining in on the action-- taking control of my future! Smiley Happy

 

Good luck with your Fico Fitness Challenge!

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
Message 1012 of 1,051

Re: Take the FICO Fitness Challenge for 2012!

 

Hello everyone! Happy almost 2013 :-)

And with that being said my Fico Fitness challenge will be for the new year, so I'm starting to get things rolling! 

My goals for the upcoming year is to qualify for a new house, a newer car, and to continue to rebuild my credit one day at a time..

My current credit situation has improved for the past few months, I have 2 public judgements( Removed) 3 credit cards in collections$300 credit limit each (Jcpenney/Capital One and Continental Finance-all been deleted) Student Loans which are posted as paying as agreed and I'm in deferment since I'm currently in school. 2 Cell phone bills (Sprint has been disputed and deleted). I will be using the letters in the forum to dispute more items on my report as I had someone doing it for me in the past, would like to get a 700/725 credit score across the board, add on two credit cards (Secured with a $500 limit),make payments on time and just build build build on the road to recovery...This forum has been so helpful to me, even when I wasnt a member and just browsing through lol  and I will keep you all posted on my credit score updates!    Smiley Very Happy

What's in my wallet: Barclay Extra Points NFL Card $1000
/Capital One secured $500/ JCPenney $500 Bank of America secured $300 Comenity Bank (Dots Fashion) $500

Starting Score: 12/2012 540 TU EXP 575
Current Score: 4/2013 TU 580 EXP 592 EQ 582 Quizzle 639 Credit Sesame 644 Vantage Score 620
Goal Score: 620 by 9/2013
700 across the board
Take the FICO Fitness Challenge
Message 1013 of 1,051
Valued Member

Re: Take the FICO Fitness Challenge for 2012!

Goals for 2013: Raise credit score to 600

It's not a lot, but SO far from where I am!!


Starting Score: 464 October 2012
Current Score: 544 (+80 points whoo hoo!)
Goal Score: 600


Take the FICO Fitness Challenge
Message 1014 of 1,051
New Contributor

Re: Take the FICO Fitness Challenge for 2012!

I met my goals for all but my EQ score, which I think is due for a bump after a few erroneous hard inquiry counts are wiped off of it. So hooray, new goal! For 2013, I want to get all three scores up to the 700 range. I'm out of the bad score lands and into the "average" zone, so I'd like to take steps to move into "good." Smiley Happy 

 

I'd also like to do some more research into whether or not it's worth it to dump some of my less beneficial cards as I start getting ones with larger balances, IE swap out my Capital One secured card for a "real" non secured card, or whether I should keep both for awhile longer. For the first year of my credit repair journey I was just focused on GETTING lines of credit wherever I could so I could work to build a good recent credit history and get the ball rolling on my repair. Now that I'm doing better and have 2+ years of on time payments, I'm finally entering a zone where I can be discerning. Time to do research and make smart decisions!



Starting Score: TU - 580 (7/22/11) ..... EQ: 561 (7/22/11)
Current Score: TU - 622 (10/24/13) ...... EQ: 656 (3/26/14) ...... EXP: 620 (3/26/14)
Goal Score: 700 by 12/31/14


Take the myFICO Fitness Challenge
Message 1015 of 1,051

Re: Take the FICO Fitness Challenge for 2012!

This is my first time doing the Fitness Challenge and I am ready!

 

My current situation:

22 years of age.

1,054$ 2 CC C/O

1 Installment 6,450$ Student Loan, good standing I guess lol says I pay on time but have never paid anything.

Lots of inquiries. So ignorant.

Longest credit 3.5 years

Avg. 2.5 years

 

 

My goals:

To get a decent auto loan interest rate

To achieve a 700. 

 

 

I have the money to pay the CC so I am going to try and PFD and hopefully get the some help on that end. Just applied for BoA Secured card and am waiting on decision. 

 

 


Starting Score: 527 12/16/2012
Current Score: 527
Goal Score: 700


Take the myFICO Fitness Challenge
Message 1016 of 1,051
New Member

Re: Take the myFICO Fitness Challenge for 2012!

If I purchase a credit check on the website, is it considered a hard check and will it affect my credit? Thanks!

Chase Sapphire Preferred | $5k
Chase Freedom | $1.5k
Amex Costco Rewards | $2k
Amex Premier Gold | NPSL
Key Bank Platinum MasterCard | $1.5k
Nordstrom CC | $1k
Guitar Center | $1k
Message 1017 of 1,051
Highlighted
Established Member

Re: Take the myFICO Fitness Challenge for 2012!

Checking your own credit report has no effect on your score.

Message 1018 of 1,051
Moderator Emeritus

Re: Take the myFICO Fitness Challenge for 2012!

+1  Anytime you check your own credit it will not lower your score nor will it report as a Hard Inquiry on your CR.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 1019 of 1,051
New Member

Re: Take the myFICO Fitness Challenge for 2012!

Great, thank you both!
Chase Sapphire Preferred | $5k
Chase Freedom | $1.5k
Amex Costco Rewards | $2k
Amex Premier Gold | NPSL
Key Bank Platinum MasterCard | $1.5k
Nordstrom CC | $1k
Guitar Center | $1k
Message 1020 of 1,051