Posts: 3,367
Registered: ‎10-19-2012
Re: myFICO Fitness Challenge 2012 Wrap Up: How Did You Do?

I started the year without any credit history. Using one secured card exclusively, I was able to obtain a 768 MyFICO TU score and a 713 MyFICO EQ score in early September. As I applied for and obtained non-secured cards, my credit scores went on a bumpy road, hitting the bottom at 669 TU and 618 EQ in late November - early December. I finished the year with a 683 on EQ. I could've done better had I found this board earlier, but in retrospect, I think for someone as inexperienced with credit as I was, the FICO scores, as well as the 4-card, 10k-limit credit card portfolio, with which I ended the year were satisfactory. Smiley Wink


I have this forum to thank for many good decisions I made during the year, especially toward the end.Cat Wink


On to 2013!!! Smiley LOL