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Take the myFICO Fitness Challenge for 2013!

New Contributor

Re: Take the myFICO Fitness Challenge for 2013!

That's such a heavy drop for a single purchase!  I'm guessing it's because of the high ration of credit utilization?  (I'm trying to figure out all this!)  I'm sure you'll have it right back up in no time!

 

 



Starting Score: TU 641 2/28/13 EQ 640 3/1/13
Current Score: TU706 EQ???
Goal Score: 750 750




Message 311 of 735
Established Member

Re: Take the myFICO Fitness Challenge for 2013!

Actually it dropped from 760 to 703 and to 689. But now it's back to 703. It was all within 2 weeks. Please if somebody is in the similar situation or know the average time for a score to increase.


Starting Score: 703
Current Score: 792
Goal Score: 800


Take the myFICO Fitness Challenge
Message 312 of 735
Valued Member

Re: Take the myFICO Fitness Challenge for 2013!

I hit 750 this month (after flirting with it late last year).  I'm hoping to hit 800 this year, though that is probably a pipe dream, so I can get a better rate when I buy a house next year.  Until then, I'll be gardening except for requesting a CLI on my PenFed card once a couple raises go through over the next few months.

sIn Wallet: $4500 USAA Amex, $3300 Chase Amazon, $1500 PenFed Visa
In Sock Drawer: $5200 Walmart Discover, $750 Crapital One Journey, $300 Target RedCard
Starting Score: 743 TU (Walmart)
Current Score: 762 EX 744 EQ 762 TU
Goal Score: 800
Message 313 of 735
New Member

Re: Take the myFICO Fitness Challenge for 2013!

Can you explain to my how to start the myFICO Fitness Challenge?  I went into my profile and replied to this topic.  I have a lot of questions about how to manage my credit information on this site. There is some way that I can update information on my FICO reports, besides disputing it with the credit bureau? I paid off some things on my credit report but it seems that if won't affect my credit score. I am trying to raise my credit score but I have no idea how to do it. Also, under the credit stimulator it states that I have a certain amount of debt in Revolving/Open Account but how do see what actually those accounts are that is determining that total? 

Well am currently in a lot of debt, I have a bankruptcy on my credit report, over $60,000 in student loans, and some other debts outside of the bankruptcy that I am trying to clear up at this moment. My goal is to clear up the debt outside of my bankruptcy and consolidate my student loans before I began to start paying the student loan off.
Message 314 of 735
New Contributor

Re: Take the myFICO Fitness Challenge for 2013!

In the original post there's a link.  You'll find an HTML (I think) code that you copy/paste into your "signature", which is located somewhere in your account/profile settings.  You just take out the part of the code that is the number for the pre existing scores and put in your credit score information, should you desire to. If there's anything beyond that, I'm not aware of it yet.  Smiley Happy



Starting Score: TU 641 2/28/13 EQ 640 3/1/13
Current Score: TU706 EQ???
Goal Score: 750 750




Message 315 of 735
Valued Contributor

Re: Take the myFICO Fitness Challenge for 2013!

Goal 1: Refinance my house to lower my payments and hopefully dump the PMI

Goal 2: Significantly reduce the credit card debt that was a direct result of buying my house.

Goal 3: Increase credit limits on my current cards but not until the refi is complete.

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Message 316 of 735
Regular Contributor

Re: Take the myFICO Fitness Challenge for 2013!

Hello I'm new here and my goal for this year is of course to clear up my credit report I have of out 4 items on here I would like to get removed. I would like to start looking for a home for my blended family of 5. And I only have a little debt so I should be on my way Smiley Happy

NFCU $17k Amex Gold Jared $3k PC Richards $1500 Discover IT $1800 NYCO $3k BOFA $4500 Macys $2400 Credit One $1450 Victorias Secret $2950 Walmart $4k Target $800 Capital One $1850 JCrew $8700 Paypal $600 Best Buy Mastercard $1500 Barclays $1430 Amazon Store Card $480 Amazon Visa $4k The Limited $1050 Old Navy $5k Overstock $1150 Citibank Dc $1700 Raymour and Flanigan $2500 Chase Freedom $1k Chase Slate $3200
Message 317 of 735
Regular Contributor

Re: Take the myFICO Fitness Challenge for 2013!

Can't figure out how to add the siggy

NFCU $17k Amex Gold Jared $3k PC Richards $1500 Discover IT $1800 NYCO $3k BOFA $4500 Macys $2400 Credit One $1450 Victorias Secret $2950 Walmart $4k Target $800 Capital One $1850 JCrew $8700 Paypal $600 Best Buy Mastercard $1500 Barclays $1430 Amazon Store Card $480 Amazon Visa $4k The Limited $1050 Old Navy $5k Overstock $1150 Citibank Dc $1700 Raymour and Flanigan $2500 Chase Freedom $1k Chase Slate $3200
Message 318 of 735
New Member

Re: Take the myFICO Fitness Challenge for 2013!

My goals are:

 

1) Pay off debt.

2) Have at least 2 months salary saved. 

3) Improve credit score.

4) Buy a house. 


Starting Score: 626
Current Score: 626
Goal Score: 700


Take the myFICO Fitness Challenge
Message 319 of 735
New Member

Re: Take the myFICO Fitness Challenge for 2013!

My name is Antonio and I have been going up in down in my fico scores for almost a year now. I am 25 and like most I made credit mistakes in college which I am now paying for!  I currently work and can start paying off these accounts but I want to do it the best way possible.  I went up to a 630 fico score but then back down to this 598 due to high balance on my secured credit card for some time now.  I have students loans totaling 145+, a 120+ and a 90+ day late (which I have sent letters to both Sallie Mae and Direct Loans to try to get removed to no avail), 4 accounts in collections for years now.  I just need to know where to start to get my credit score up.  I just want to be able to get a decent credit card with rewards.  I will pay off my secured card this month and leave it with a low balance.  Should I start paying off the collection accounts? Do I work out a payment plan with them? I paid off a few accounts already I use to have 7.  What will help me to get my credit up quickest? I want to get a venture card and a loan for a car with the best interest rates by the end of this year!  Any advice would be appreciated!


Starting Score: 598
Current Score: 598
Goal Score: 800


Take the myFICO Fitness Challenge
Message 320 of 735