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Established Member
Bdj1
Posts: 35
Registered: ‎05-01-2007

Re: Take the myFICO Fitness Challenge for 2013!

[ Edited ]

FAKO is a score that is just made up by whoever wants to sell a score and does not affect you as lenders don't use these .

FICO scores ARE used by lenders and are from fair issac corporation (myfico) . That are calculated differently.  These are the most typical scores used by the majority of lenders.

16k7.8k7.5k1.75k13.5k4k8001k5k12.9k8k


Contributor
rebuildingmission2013
Posts: 77
Registered: ‎04-15-2013

Re: Take the myFICO Fitness Challenge for 2013!

I have been lurking for the past six months gathering the great information on this site which is the reason why my scores haven risen so much since October.  I would like to contribute to this site and set a goal of 750 by the end of the year. gogogo.


10/01/2012 STARTING FICO SCORES: EQ 585 TU 598 EX 539
09/12/2013 CURRENT FICO SCORES w/ 9 REVOLVING TLs = $4,550 + INSTALLMENT TL: $23,300
EQ 598= AAoA=10m, UTIL=43%, 12m INQ=22, COLL=0, PUB REC=0, MISS PAY=0
TU 644 =
AAoA=1yr 8m, UTIL=46%, 12m INQ=19, COLL=0, PUB REC=0, MISS PAY=0
EX 614 = AAoA=3 yrs 11m, UTIL=63%, 12m INQ=17, COLL=0, PUB REC=0, MISS PAY=0
04/01/2014 GOAL FICO SCORES: 720s = AAoA=+7m, UTIL ≤ 9%, 12m INQ ≤ 6, COLL=0, PUB REC=0, MISS PAY=0
New Member
Newattitude
Posts: 1
Registered: ‎04-15-2013

Re: Take the myFICO Fitness Challenge for 2013!

I started visiting this site about a month ago and I learn something new every day.  My goal is to rehab my student loans which are the only negatives I have with the exception of a few old medical bills that I have sent PFD letters for.  Would really like to buy a house during the1st quarter of next year.


Starting Score: 573
Current Score: 573
Goal Score: 700


Take the myFICO Fitness Challenge
Established Member
HELENofTROY
Posts: 25
Registered: ‎04-17-2013

Re: Take the myFICO Fitness Challenge for 2013!

HI! I was drawn to your post because you mentioned navy federal and that's the secured card that i want to go with! i want to join the community but i cant figure out where to add the badge for my current score. i have the html code, i just dont know where to input the code. i dont see any option in personal settings. :-(

Starting Score (4/6/2013): (All lender pulls) Exp 583, Trans 570, Eq 535
Current Scores: (2/13/14) Exp 687, Trans 640 , Equifax 599 (myfico????)
Goal Scores: 640-720

Credit: BOA Platinum Plus Visa ($2K), NFCU Cash Rewards ($6K), AMEX Everyday BLUE ($2K), Victoria's Secret ($500)

Take the myFICO Fitness Challenge
Established Member
lifeisgreat
Posts: 14
Registered: ‎01-03-2013

Re: Take the myFICO Fitness Challenge for 2013!

HELENofTROY -

Signature line setting is under "my settings" then "personal profile" tab, then down three lines you will see "signature" just paste the html tag there.  Best of luck!

 

 


Starting Score: EX 573; EQ 489; TU 521 (Lender Pulled 7/12/11)Current Score: FICO TU 615 (4/3/13); FICO EQ 585 (5/12/13)Goal Score: 725
Take the myFICO Fitness Challenge
New Visitor
CTR01
Posts: 1
Registered: ‎04-18-2013

Re: Take the myFICO Fitness Challenge for 2013!

Hi,

 

I'm new to the myFICO forums and figured this would be a good way to grow.

A bit about me:

1) 22, college student

2) montly expenses never exceed $300, I never use more than 20% utilization

3) 1 CC (BofA CashRewards - $900 limit) from 6.5 months ago = first and so far only card

 

Goals:

1) Increase credit limit for the CashRewards card - what is a good first increase amount? second? third?

2) Open a Cap1 Cash Rewards or Chase Freedom or other rewards card

 

Good luck to everyone!


Starting Score: Estimate: 600
Current Score: EQ: 717 / TU: ~695-700 / CreditKarma: 733
Goal Score: ~760


Take the myFICO Fitness Challenge
Valued Member
sinceregal09
Posts: 42
Registered: ‎03-15-2009

Re: Take the myFICO Fitness Challenge for 2013!

I so miss the days when you could get your Experian FICO from this site as well...

 

 


Starting Score: TU-720, EQ-692, EX(FAKO)-766
Current Score: TU-720, EQ-692, EX(FAKO)-766
Goal Score: 850


Take the myFICO Fitness Challenge
Valued Member
sinceregal09
Posts: 42
Registered: ‎03-15-2009

Re: Take the myFICO Fitness Challenge for 2013!

One of my goals that I started the year out with was the to pay off 1 credit card...As of April, I paid off all 3....

 

Now I am starting to pay attention to my installment loans since those amounts would be easier to pay off in a full sum. I can definitely pay off 1 and I'm challenging myself to aggressively pay off 2.  I don't really think my score is going to improve that much considering the number of installments I have on my account due to student loans but it is progress nonetheless.


Starting Score: TU-720, EQ-692, EX(FAKO)-766
Current Score: TU-720, EQ-692, EX(FAKO)-766
Goal Score: 850


Take the myFICO Fitness Challenge
New Visitor
MG1979RN
Posts: 2
Registered: ‎04-20-2013

Re: Take the myFICO Fitness Challenge for 2013!

I have been working since November of 2012 to begin correcting years of youthful financial mistakes.  This year I want to increase my FICO score in order to purchase my first home. 


Starting Score: (4/20/2013)TU659, EX 622, EQ 592
Current Score:
Goal Score: 750


Take the myFICO Fitness Challenge
Established Member
nickf4rr
Posts: 62
Registered: ‎01-11-2013

Re: Take the myFICO Fitness Challenge for 2013!

I've been slowly paying off a boatload of debt for a while, but recently rocketed into another income bracket and started taking out big chunks of old debt.

 

I started conqering the old debt earlier this year, and I'm now seeing the great results on my score.  Everything is paid off now--just waiting for the last few things to get cleared up!

 

My real goal is to get an the Delta AMEX Platinum Card, given that I travel a lot and book the travel myself.  I've already been Delta Gold (god forbid I travel so much I get Platinum)  The spend I'd have on that is well worth it, it's like I'm losing miles every time I book travel without it!  ><

Starting Score: 01/12/2013 EQ 683
Current Score (myFico): 5/8/13 TU 734, EQ 738 05/04/13 EX 722
Last App 05/3/2013 - Off to garden for the rest of the year!

Take the myFICO Fitness Challenge / myFICO Forums Common Abbreviations

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