Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
Re: myFICO Fitness Challenge 2012 Wrap Up: How Did You Do?

I had a mixed year.  I'd hoped to break 700, and did so for TU, not for EQ.

 

My EQ scores have stayed in the low 680s all year.  But I was able to purchase new home, kill off the high fee rebuilder cards (First Premier and CreditOne), and replace my last secured card with 6.2K in two unsecured cards.

 

I believe inquiries generated to finally get my mortgage and utilization are the reasons I didn't do better in 2012.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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