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Member
Posts: 5
Registered: ‎09-23-2011
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Re: Take the FICO Fitness Challenge for 2012!

Checking my updated sig for 2012!  I hope it shows the image this time :smileyhappy:

Moderator
Posts: 15,652
Registered: ‎07-14-2009
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Re: Take the FICO Fitness Challenge for 2012!


AJwant700s wrote:

Checking my updated sig for 2012!  I hope it shows the image this time :smileyhappy:



There it's fixed.

Frequent Contributor
Posts: 262
Registered: ‎03-07-2009
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Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]

My 2011 goals:

1.  Goal 620 across the board or higher

2.  Current Scores are 502 EQ/545 TU

3.  My plan is to pay off all of my credit card debt and outstanding collection accounts this year. I've been blessed with several promotions and a better salary than what I've been accustomed to. There's no excuse anymore for continuing on with bad credit and outstanding debts...Besides, it's embarrassing.  :womansad:

 

My 2012 goals:

1.  Your FICO score goal for 2012: 700 on all three

2.  Your current FICO score(s): EQ 648 TU 637 (Walmart Score)

3.  Possibly a new mortgage

4.  The steps you plan to take to achieve your goal: on-time payments, utilization below 10%

 

I can truly say that I went above and beyond my goals for 2011. I took control and stopped making late payments, I've set realistic goals for myself, and have really begun to take my credit seriously. I am extactic about the progress that I've made, and now that I've set myself on the right path toward greater things, I can finally start to think about things like a home purchase in the very near future. When I got started, it seemed like it would never be a possibilty because my credit was horrible.

 


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
New Member
Posts: 2
Registered: ‎04-25-2011
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Re: Take the FICO Fitness Challenge for 2012!

I am ready for the challenge!  I have been making payments on time, and have a plan to get my revolving lines below 20% availible in the next month.  I've been using Citi IdentityMonitor to check my report and scores.  

 

Right now I am:

 

Equifax 560

Experian: 599

Transunion: 613

 

I want all scores over 700 by December 31, 2012


Starting Score: 527
Current Score: 599
Goal Score: 740


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 5,267
Registered: ‎03-18-2008
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Re: Take the FICO Fitness Challenge for 2012!


JB9395 wrote:

I am ready for the challenge!  I have been making payments on time, and have a plan to get my revolving lines below 20% availible in the next month.  I've been using Citi IdentityMonitor to check my report and scores.  

 

Right now I am:

 

Equifax 560

Experian: 599

Transunion: 613

 

I want all scores over 700 by December 31, 2012


Welcome, and good luck!  Getting your utilization down will help your scores.

 

Be aware, however, that the credit scores that you get from Citi IdentityMonitor are not FICO scores.  Your actual FICO scores may be quite different from that which you get from Citi.

Established Member
Posts: 23
Registered: ‎02-20-2009
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Re: Take the FICO Fitness Challenge for 2012!

[ Edited ]

Well I did not reach my credit score goal I set for myself for 2011.   However I finally got my Amex card with a hefty credit line and that was one of my goals

in 2011 so HOORAYY!!.  And that would not have happened if not for the help of this forum and some hard work on my part.

 

I have recommitted myself to reaching my 2012 goals.  I know I can accomplish this by lowering my credit card usage. 

I plan on paying all my credit card balances off by the end of February and will maintain a 10% or less utilization for the rest of the year. 

Negatives that are still hanging on my report (2 public records plus 2 lates from 2005(90 day) and 2006 (60 day) will be coming off over

the next two years which is fine with me because I am not making any big purchases in the next two years (Plus I am tired of fighting to get

them removed. (Cap one sucks!).  I have no collections so I think I am in a pretty good position to reach my goals for 2012! 

 

Wishing everyone good luck in achieving their 2012 Credit Score Goals!!


Starting Score: TU 651, EQ 640, EX 597
Current Score: TU 709, EQ 684, EX 726
Goal Score: TU 760, EQ 730, EX 760


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 158
Registered: ‎06-27-2011
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Re: Take the FICO Fitness Challenge for 2012!

Thanks to all here in helping me raise my scores. It can be done with hard work and some luck!!!



Starting Score: TU-685 (FICO) EQ-674 (FICO) EX-713 (PLUS SCORE FAKO)
Current Score: TU-800 (FICO) EQ-812 (FICO) EX-800 (PLUS SCORE FAKO)
Goal Score: 815


Take the FICO Fitness Challenge
New Member
Posts: 2
Registered: ‎01-14-2009
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Re: Take the FICO Fitness Challenge for 2012!

Ok, I'm ready to do this.    We've made some mistake and had some issues the past few years, but we've been on a good track since about October.  We've paid off nearly all of our credit cards ($7K) and we're sticking to a reasonable budget.     

 

I have no idea why, but I'm nervous, lol.


Starting Score: 548
Current Score: 624
Goal Score: 700


Take the FICO Fitness Challenge
New Visitor
Posts: 1
Registered: ‎01-19-2012
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Re: Take the FICO Fitness Challenge for 2012!

WANT TO JOIN THE 700 CLUB AND START THE HABIT OF LETTING MY MONEY WORK FOR ME VERSUS THE OTHER WAY AROUND.:smileywink:

Valued Contributor
Posts: 1,486
Registered: ‎08-14-2011
0

Re: Take the FICO Fitness Challenge for 2012!

Continuing mine from last year!

 

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
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