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Take the myFICO Fitness Challenge for 2012!

New Member

Re: Take the FICO Fitness Challenge for 2012!

Hello Im new to the forums. I decided to try the challenge and see where it takes me. my score is very low b/c I am rebuilding my credit. I am currently disabled and unable to work, so I'm already working with very liII'm starting small for a goal, but ultimately hoping to get in the 700's. I have been and will continue to monitor my score and reports, I will always pay my bills on time and I have been very good about doing that. The main thing that confuses me is that not all three reports are the same and that the companies do not always report to all three. I just hope in the end I can get in a good standing all around.


Starting Score: Myfico: 505. CreditKarma: 517
Current Score: Myfico: 505. CreditKarma: 517
Goal Score: 650


Take the FICO Fitness Challenge
Message 931 of 1,051
Regular Contributor

Re: Take the FICO Fitness Challenge for 2012!

When I became FICO-aware in 2009, my scores were around 675. The forums and score watch products have been very educational. I am still learning and trying to improve with the continued help of myFico. Thanks!

 

Our ultimate goal is to get a great deal on our first mortgage in early 2013. 


FEB 2014 EQ: 798 EX: 780 TU: 798
Message 932 of 1,051
New Member

Re: Take the FICO Fitness Challenge for 2012!

I hope I did this right.  Didn't know about this challenge until just now.


Starting Score: 654
Current Score: 654
Goal Score: 700


Take the FICO Fitness Challenge
Message 933 of 1,051
Established Member

Re: Take the FICO Fitness Challenge for 2012!

I want to apply for an auto loan sometime in the next year, so I want a robust credit score when I do. Smiley Happy

 

I currently have 735 (EQ) and want to get it to 750.

Starting Score: 735 (EQ) / 777 (TU)Oct. 2012
Current Score: 761 (EQ) / 752 (TU)Aug. 2014
Goal Score: 800
App free since 19.11.2013. \o/
Message 934 of 1,051
New Member

Re: Take the FICO Fitness Challenge for 2012!

Hello everyone, I ma new to the FICO Fitness Challenge but I am determined to right the wrongs from days gone by and improve my score, and work toward the purchase of my new home.


Starting Score: 576
Current Score: Eq - 604, Tu - 667, Ex - ?
Goal Score: 720


Take the FICO Fitness Challenge

Message 935 of 1,051
New Member

Re: Take the FICO Fitness Challenge for 2012!

My goal iI to reach a FiCO score of 750 (current score 693) in order to open a business. I hope you guys can guide in making the right decisions.


Starting Score: 693
Current Score: 693
Goal Score: 750


Take the FICO Fitness Challenge

Message 936 of 1,051
New Visitor

Re: Take the FICO Fitness Challenge for 2012!

Hello new to the site and hoping to rebuild my credit. Hopefully I can find some good tips on rebuilding my credit. Thanks


Starting Score: 605
Current Score: 624
Goal Score: 700


Take the FICO Fitness Challenge


Message 937 of 1,051
Member

Re: Take the FICO Fitness Challenge for 2012!

New here, hoping if I post publicly I'll be motivated to make sure I achieve my goals! 


Starting Score: EQ 532
Current Score: 532
Goal Score: 760


Take the FICO Fitness Challenge
Message 938 of 1,051
Member

Re: Take the FICO Fitness Challenge for 2012!

Hello,

Long time lurker. Thanks for all your advice and support, without this forum, my credit score would not be where it is right now. I want to continue to rebuild my credit and continue to strive to meet all my credit goals.

Current Situtation:

15 Credit cards...10 with very small balances - All in good standing
AES Suntrust (Student Loans) - Good Standing

TU - Collections -
Student loans ( Citibank in process of GW)
American Student Assistance
Midland (Aspen/Salute CC) x 2
First Premier
Trident Asset Management - Columbia House
RJM x 2 - Falling off in 3/2013

EX - Collections -
Student loans (in process of GW)
American Student Assistance
Midland (Aspen/Salute CC) x 2
Trident Asset Management - Columbia House
RJM x 2 - Falling off in 3/2013
CCS/First National Bank

EQ - Collections -
Student loans (in process of GW)
1 Collection (First Premier)


Goals for 2013

Raise credit score to at least 700 but going for 750
Pay balances on cards
PFD or just pay colletions. A few will be dropping off soon.
Garden mode for at least 6 months and then go for my all time goal of AMEX.
Raise score enough to get a mortgage pre approval for end of 2013


Starting Score: TU 464 EX 554 EQ 521
Current Score: TU 685 (WalMart TU 632) EX 593 EQ 627
Goal Score: 750 with all 3


Take the FICO Fitness Challenge
Message 939 of 1,051
New Visitor

Re: Take the FICO Fitness Challenge for 2012!

I am hoping to get my credit score up up up!  Ive had a rough time financially the last 7 years and am excited to finally be in a position to be rebuilding!   Hoping to get a mortgage in the next year or so too!


Starting Score: 608
Current Score: 627
Goal Score: 700


Take the FICO Fitness Challenge
Message 940 of 1,051