Reply
Established Contributor
Posts: 586
Registered: ‎07-20-2008
0

Re: myFICO Fitness Challenge 2012 Wrap Up: How Did You Do?

2012 starting score:  547 / ending score:  593 

 

Increase of 46 pts in the end, but LOTS of fluctuations in between and I added 8 new accounts.  If I hadn't done the latter, I'm sure it would be much higher. Oh and paying down some of this 60% util would help too lol.

 

Filed Chap 7 4/24/15, 341 hearing 5/29/15
Contributor
Posts: 172
Registered: ‎01-24-2013
0

Re: myFICO Fitness Challenge 2012 Wrap Up: How Did You Do?

how do I insert my true FICO scores in siggy line? just signed up an hour ago :smileyhappy:

EQ: 690 TU: 684 EXP: 687 UTIL at 33% still has not been updated to 5%
BK7 7.5 years old
Valued Member
Posts: 47
Registered: ‎01-21-2012
0

Re: myFICO Fitness Challenge 2012 Wrap Up: How Did You Do?

[ Edited ]

I was aiming for the sky when I took the challenge, aiming for 750. When I joined, I had little credit history (a 5 month old Capital One Journey) and didn't know my score.  I got a Wally card in March and my score was 710,  I got as high as 742 back in July, but honestly haven't been paying much attention to utilization, just making sure I pay in full every month.  I finally met my goal this month though, with a 755 credit score!

 

I was a bit worried because I missed some payments when I was out of power for a week during Hurricane Sandy, but the banks worked with me, reversed the fees and now as soon as I get a bill in my e-bills, I set it as an automatic payment with the bill due date as the execution date.

 

For 2013, I'm hoping to get a score of 800, build up my savings and put a downpayment on a house.  We'll see how that goes.

 

Starting Score: No Credit History
Current Score: TU 755 (Walmart, Feb 4, 2013)
Goal Score: 750

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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.