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New Member
bdsloc
Posts: 1
Registered: ‎12-18-2012

Re: Take the myFICO Fitness Challenge for 2012!

Hi all - Do we post here for the 2013 thread?

 

I'm new to the forum, but taking the challenge in 2013. Lay offs wreaked financial havoc b/w 2007-2010 and we spent 2011-2012 just getting a positive cashflow and financial stability. Now it's time to rock n roll with increasing the FICO score to 700's.

 

Actions steps for 2013:

1. Timely payments throughout 2013 with new auto loan established Nov 2012.

2. Obtain secured credit card with credit union in Spring 2013 with timely payments & less than 10% utilization.

3. Pay for delete 2 large charge-offs currently showing as balance owed w/ recurring late pays or settle in full if only option with creditor.

4. Pay for delete smaller collections items currently showing as balance owed  w/ recurring late pays or settle in full if only option with creditor.

 

Administrator Emeritus
Sarah
Posts: 599
Registered: ‎03-26-2012

Re: Take the myFICO Fitness Challenge for 2012!

Hey folks! 

 

Congrats to everyone who is wrapping up the myFICO Fitness Challenge for  2012. As we gear up for the 2013 Challenge, we at myFICO thought we’d try something new this year and post a wrap up thread for folks to report their successes. So if you'd like to share your milestones and achievements from 2012, head on over here and post away: 

 

myFICO Fitness Challenge 2012 Wrap Up

 

The new myFICO Fitness Challenge will kick off on January 1st - so get ready to make 2013 the year you achieve your financial goals! 

New Member
Sharara1
Posts: 2
Registered: ‎12-19-2012

Re: Take the myFICO Fitness Challenge for 2012!

[ Edited ]

 

Hi!

Will there be a challenge for 2013?

I need to repair my credit :smileysad:
My biggests things this year is that I missed a few payments, and sent some in late.

It was totally my fault - just disorganization in finances. I feel so MAD at myself, and need some support from people who have been in this same situation.

 

Its hard (impossible almost) to talk about this with my family and friends, as they would never put themselves in this predicament.

I've paid off my car, own a condo, and try not to live outside of my means. However, the only thing is that I've just been a bit disorganized this year and I didn't realize

how bad that would affect my credit :smileysad:

I'm trying to refinance my house....but got a very rude denial from one of the companies after they checked my score. I was shattered.

 

I'm fine for now in terms of all of my payments, I just need to make sure I pay them all on time. 

I just wanted to refinance to lower my rates....but that doesn't seem possible at the moment. How could I have been so stupid??

 

Anyways - I finally got the nerve to come here, and would appreciate the support as much as possible. I'm new to this, as I've never been in this situation before.

 

Any words of encouragement, help, tips, etc....is much appreciated!

 


Starting Score: 550
Current Score: 550
Goal Score: 750


Take the myFICO Fitness Challenge
Moderator
Shogun
Posts: 12,896
Registered: ‎04-15-2011

Re: Take the myFICO Fitness Challenge for 2012!

Yes, there will be a new challenge for 2013 with new and exciting things to come.  Grab your seat, get comfortable and work to a healthier fianancial 2013.  Good Luck!


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!
New Member
Sharara1
Posts: 2
Registered: ‎12-19-2012

Re: Take the myFICO Fitness Challenge for 2012!

 

Looking forward to it!!!

Thanks for the motivation - this will be great! 


Starting Score: 550
Current Score: 550
Goal Score: 750


Take the myFICO Fitness Challenge
New Contributor
KAISMOM
Posts: 79
Registered: ‎12-01-2012

Re: Take the myFICO Fitness Challenge for 2012!

[ Edited ]

New to myfico. Trying to rebuild credit after getting derailed the past few years.

I had an Amex card 4k limit, lost that

Nose dive from 690 to 560 fico when I was in school, and receiving cash aid from the government.

Got a lousy card $300 limit, $50 yearly/high interest (late one month now @26%...terrible I know...will drop soon)

Wells Fargo Financial, my first cc, 2400, will keep, added Walmart and Fingerhut the past 2 years. will increase limits gradually.

Will apply to Credit Union, B of A, maybe Discover and Amex again.

 

Goal:

1) Pay off CCards ($1900 balance) over three months. It's apparently better to do it incrementally then all at once...

Maybe add one (or not) next year. 

 

2) Save for downpayment for car & start the process on DP on house/condo. I currently pay 1400 in rent monthly (live in L.A) self employed, 50k gross, single mom

 

3) Pay down student loans, currently hovering above 13k

 

My goal by end of 2013 is a fico score above 700, low mid 700's would be fantastic!

 

Southwest 23.8k I United Explorer 15k I Discover It 7.5k I Wells Fargo 2.5k I Bill Me Later 3k I Amazon 3.3k I Pier 1/VS/ Walmart 5k
Current Scores: (TU) 772, (EQ) 784 (EX) 761
Goal Score: 800

New Member
jc28
Posts: 2
Registered: ‎12-25-2012

Re: Take the myFICO Fitness Challenge for 2012!

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Starting Score: 659
Current Score: 659
Goal Score: 850


Take the myFICO Fitness Challenge
New Visitor
plzhelpjj
Posts: 1
Registered: ‎12-25-2012

Re: Take the myFICO Fitness Challenge for 2012!

Hello, I am new to myfico. Trying to rebuild credit after getting derailed several years ago. I have been make a better effort to get it back on track. But, I feel with this forum and the information here I can get it better.

 

 

My goal by end of 2013 is a fico score above 740, 

 


Starting Score: 605
Current Score: EQ673
Goal Score: 800


Take the myFICO Fitness Challenge
New Visitor
TiffaniLaRoque
Posts: 1
Registered: ‎12-26-2012

Re: Take the myFICO Fitness Challenge for 2012!

I am so grateful for this forum. I finally found out my credit score and I nearly cried because I was not approved for an apartment that I really wanted.  I don't want that to happen ever again.  I have been er diligent in paying bills on time and paying more than the amount due.  The only thing that is driving me mad is the student loan. Those are killer but I am working on paying them off as much as I can this year.  I am looking for all sorts of advice thatnks again for this forum.  Here's to a successful 2013!

 


Starting Score: 549
Current Score: 549
Goal Score: 690


Starting Score: 549
Current Score: 549
Goal Score: 690


Take the myFICO Fitness Challenge
New Visitor
brooklynangelino
Posts: 1
Registered: ‎12-26-2012

Re: Take the myFICO Fitness Challenge for 2012!

I hyaven't checked my score in a while. It used to be quite high, but I am now retired, having a much harder time paying off all my credit cards every month. My wife and I now live separately most of the time and filed our taxes separately for the first time last year. I though the challenge was some sort of training program on calculating or improving your credit score, but if it, I can't find it on any of the links. I have a lot of open/unused credit accounts, and I am wondering whether it makes sense to close them out or leave them open.


Starting Score: 800
Current Score: 800
Goal Score: 850


Take the myFICO Fitness Challenge

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