01-23-2013 03:05 PM
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.
01-24-2013 04:16 AM
how do I insert my true FICO scores in siggy line? just signed up an hour ago
02-22-2013 08:21 AM - edited 02-22-2013 09:38 AM
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.
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