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

Established Contributor

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.

 

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Frequent Contributor

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 Smiley Happy

EQ: 737 TU: 724 EXP: 739 UTIL at 5%
BK7 8++ years old
Valued Member

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

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