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Take the myFICO Fitness Challenge for 2013!

New Contributor

Re: Take the myFICO Fitness Challenge for 2013!

Looking at my report, most of my delinquencies will be 2+ years old by December. A TD Bank auto loan that I cosigned on (that is now paid off) went delinquent twice in 2012, so those are more recent.

 

For my new auto loan, I agree, that 1.9% is very attractive, almost too good to be true. To get that loan, I went to a local Ford dealership (Autofair Ford), and got the loan through Ford Motor Credit. The dealership definitely tried a few big name banks first (I got 3 denial letters in the mail a few weeks later). However, FMC ultimately approved the loan. 72 months is of course a long time, but now the car is completely warranteed throughout the life of the loan.


Starting Score: 614
Current Score: 643
Goal Score: 700


Take the myFICO Fitness Challenge
Message 511 of 735
Senior Contributor

Re: Take the myFICO Fitness Challenge for 2013!

hello guys!

 

I would like to participate in the fitness challenge,  and since i'm a newbie to the FICO forums, could anyone help me out?  I have no idea how all of your signatures? have the fitness challenge icon w/ starting score and so forth. 

 

Thanks guys!

 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 512 of 735
New Member

Re: Take the myFICO Fitness Challenge for 2013!

Hello all,  Started working on my credit last year in order to buy a home. Went the secured card way and now stuck with them until I close on a home!! Kinda sucks... they have my deposits... I have their high interest rates!

Tis' what it is

Starting Score: 582
Current Score: 709
Goal Score: 750


Take the myFICO Fitness Challenge
Message 513 of 735
Established Contributor

Re: Take the myFICO Fitness Challenge for 2013!

May Update (so far):

 

Completed:

Paid 2 collections accounts.

Paid 2 credit cards to $0 balance, $650 left on the 3rd credit card that has a $750 CL.

Student loans out of rehab, new servicer reporting. EX & EQ have deleted Dept. of Ed collection account tradelines, TU dispute pending.

Stuck to the household budget and all bills paid on time!

 

To Go:

Pay last collection account of $429.

Settle charge off of $1494 for an account with an original balance of $750.

Try for goodwill on removal of paid collections.

Request a CLI on my existing unsecured cards.

 

 

 

 

 

 

Current Score: TU: 674 | EQ: 722 | EX: 717 | Last Inq. 2/16/15...Locked Up in The Garden
NFCU Cash Rewards $14K | Chase Sapphire Preferred $5K | Amex Blue Cash Preferred $6K | Cap1 Quicksilver One Visa $9K

Message 514 of 735
Valued Member

Re: Take the myFICO Fitness Challenge for 2013!

Woo hoo!  Got this email from Capital One today:

 

"You're a great customer, and we appreciate you. That's why we're happy to give
you a credit line increase - you deserve it!
Your new credit line is $1,500.00.
That's an increase of $1,000.00."

 

 

YAY - hopefully this will give me a good FICO boost soon.

 

Smiley Happy


Starting Score 2012: 484 Starting Score 2013: 566 Starting Score 2014: 650
Current Score: 660
Goal Score #1: 660 - achieved! 6/28/14

Goal Score #2: 680
Take the myFICO Fitness Challenge
Message 515 of 735
Member

Re: Take the myFICO Fitness Challenge for 2013!

Hi bethany,

 

Which card do you have with Cap One? Its pretty nice that you got such a raise given your score. How long have you had that card?


Starting Score: 639 EQ Oct 2011
Beginning Score 2013: 667
Current Score: 681
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 516 of 735
Highlighted
Valued Member

Re: Take the myFICO Fitness Challenge for 2013!

Hi Charlie!

 

I actually have two cards from Cap One.  Last year I got a secured card from them, and then about six months ago I applied for a "regular" card (platinum?) and was approved.  I have been paying in full every month for almost a year on secured card, and for 6 months on unsecured card.

 

secured - $300 limit, opened 6/12, 22.9% APR

unsecured - $1500 limit, opened 11/12, 0% APR

 

 

 


Starting Score 2012: 484 Starting Score 2013: 566 Starting Score 2014: 650
Current Score: 660
Goal Score #1: 660 - achieved! 6/28/14

Goal Score #2: 680
Take the myFICO Fitness Challenge
Message 517 of 735
Valued Member

Re: Take the myFICO Fitness Challenge for 2013!

a little boost on my score, even before my new CL was posted!

 

Your FICO® score has gone up to 607 on May 26, 2013.

 

one little step at a time!


Starting Score 2012: 484 Starting Score 2013: 566 Starting Score 2014: 650
Current Score: 660
Goal Score #1: 660 - achieved! 6/28/14

Goal Score #2: 680
Take the myFICO Fitness Challenge
Message 518 of 735
Member

Re: Take the myFICO Fitness Challenge for 2013!

Update so far so good

 

 


Starting Score: 677
Current Score: 693
Goal Score: 750


Take the myFICO Fitness Challenge
Message 519 of 735
Established Member

Re: Take the myFICO Fitness Challenge for 2013!

Hello I am new to this and am loooking forward to increasing my score! My goal is to buy a home in 18 months. Right now my score is 455 ( Very bad) Wish me luck!

Message 520 of 735