New Member
Posts: 2
Registered: ‎08-02-2009

Re: Take the myFICO Fitness Challenge for 2013!

[ Edited ]

Happy New Year everyone!


Im working on raising my FICO score this year. Starting with 702 trying to reach 800.


FICO simulator says pay down credit card debt.  Gotta make a plan and stick to it!

Starting Score: 702
Current Score: Equifax 702
Goal Score: 800

Take the myFICO Fitness Challenge
Posts: 97
Registered: ‎06-06-2007

Re: Take the myFICO Fitness Challenge for 2013!

Happy New Year! I am taking the Fitness Challenge for 2013 to get my financial house back in order. I started the forums a few years ago, raised my score 80+, purchased a new home, car, and obtained credit cards. I then began late paying the credit card and ultimately lost it. :smileyembarrassed: 


I sold the truck I purchased and drove an older model vehicle without payments for several years. At this point, I just want the option of apping for a credit card or loan without worrying if I will qualify. So to sum it up I'm doing this for peace of mind. :smileyhappy:


I would like to upgrade to a  larger home within the next three years. So I'm putting in the hard work now to make that goal a reality. Ultimately, by the end of 2013 I'd like a score of 650 or more AND Nordstrom's Card (my sanctuary).



Starting Score: 474
Current Score: 550
Goal Score: 650

Take the myFICO Fitness Challenge
Established Member
Posts: 23
Registered: ‎09-27-2007

Re: Take the myFICO Fitness Challenge for 2013!

My scores were above 800 last year, but I have found that does always assure good credit deals. I "used" my credit, and that reduced my score to the 750-760 range. (I used one of those 2% loans from my Discover Card to pay down my mortgage some - but nearly maxxed out that card to do it. It was an experiment really.) I am considering refinancing my mortgage, so I probably need to get my score back to 800 to get a good deal.
Posts: 8
Registered: ‎11-28-2011

Re: Take the myFICO Fitness Challenge for 2013!

3 Years ago I had a 505 FICO score. November of 2011 after 8+ years I was approved for my first credit card (Discover More) and a variety of others with 630 FICO. 2012 was spent putting the cards through plenty of use. And 2013 will be dedicated solely to paying them now and throwing them in the sock drawer. I hope to end the year with a 720+ FICO. Wish me luck and I'll see you at the finish line...

Starting Score: 505
Current Score: 654
Goal Score: 720

Take the myFICO Fitness Challenge
Established Contributor
Posts: 586
Registered: ‎02-22-2011

Re: Take the myFICO Fitness Challenge for 2013!

[ Edited ]

As far as my financial situation, I just feel like i'm too much into debt. I'm 22, and my fico score is pretty good. I've NEVER been late on a payment. But, in order to bring my fico score to my goal, I'm going to need to pay off more debt. However, I feel like I need to find additional ways to increase my income. Not only do I want my fico score to be 750, I also want to have higher limit credit cards as well as the Chase Sapphire Preferred. If I'm able to have that credit card AND bring my fico score up to 750, I'd be satisfied. In order for me to do that, I'd need to increase my income and decrease my expenses to pay off more debt.


Wells Fargo Credit Card: 868/3600


1st Financial Bank USA: 2819/4900

Citi Bank Thank you Preferred: 1991/2200

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
New Member
Posts: 1
Registered: ‎12-29-2012

Re: Take the myFICO Fitness Challenge for 2013!


I plan to buy a home this year but still plan t increase my credit score. I look forward to the challenge.

Starting Score: 758
Current Score: 766
Goal Score: 800

Take the myFICO Fitness Challenge


Take the myFICO Fitness Challenge
New Member
Posts: 1
Registered: ‎12-22-2012

Re: Take the myFICO Fitness Challenge for 2013!

Without getting too deep into what I make a year, I will say that I am middle income and take care of a lot of folks. I'm not saying that I'm any different than anyone else, just starting my post. With that being said, I am FINALLY in the position that I need to be in to repair the damage that I did as an ignorant young adult. I was never taught to use credit wisely, and I wasn't very responsible with it in the first place. My years have taught me that I would prefer to work for myself, and invest in properties, and as we all know, that's made easier with good credit.


So starts my long journey back to the top of the mountain. I hope that you will follow me through the ups and downs and give me encouragement when available, as I will return the favor. Good luck to all who embark on the same journey.

Starting Score: 556
Current Score: 556
Goal Score: 750

Take the myFICO Fitness Challenge
New Member
Posts: 2
Registered: ‎05-19-2011

Re: Take the myFICO Fitness Challenge for 2013!

I've always been an avid viewer of the challenge now it's time for me to take the challenge. 2012 5/12 Filed Chapter 7 7/12 USAA (secured) MC $1500 now $3000 8/12 Discharged 10/12 CAP1 Refinance 6.49% 10/12 CAP1 Rewards $1000 12/12 Barclay $500.00 12/12 CAP1 Classic $500.00 2013 Cash diet Keep spending down Reach my score goal Whats in my wallet USAA $3000 (Secured) CAP1 Rewards $1000 CAP1 Classic $500 Barclay $500

Starting Score: 487 Pre Chap 7 discharged 8/2012
Current Score: EQ 633 EX 633 TU 655 (USAA) TU 600 EQ 629 (FAKO)
Goal Score: 725

Take the myFICO Fitness Challenge
Regular Contributor
Posts: 248
Registered: ‎11-20-2010

Re: Take the myFICO Fitness Challenge for 2013!

GOAL: To pay off my $20,000 loan by November.


HOW I WILL GET THERE: Save 80% of each paycheck and put it directly towards that loan.


HOW I WILL CELEBRATE IN NOVEMBER: Treat myself to a deluxe pedicure at the fanciest spa I can find. (In the meantime, do my own pedicures and manicures!)

Current 2013 Score: ScoreWatch Transunion: 737, ScoreWatch Equifax: 723, Nordstrom Equifax: 734
Goal Score for January 2014: 750-809 range

Take the FICO Fitness Challenge
Posts: 78
Registered: ‎01-06-2013

Re: Take the myFICO Fitness Challenge for 2013!

Went through a debt reduction program in 2005 and started rebuilding my credit last year.  Obtained my first card (secured) for $300 in January 2012 and was approved for a second card in March 2012.  Have been using them frequently so got a bump to total credit limit of $1050 in October. I wanted to wait for a full year of payments till I apply for some new accounts so will start applyiing in February.  My credit started out at 609 in February and is currently at 693.  My goal for 2013 is total credit limit of $10k and a score of 710+.  I hope to obtain a card for $2k-$3k in February and apply again around the 4th quarter of the year for another $4k-$5k card.  

Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785

Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+